Commercial Business Loan - Commercial Bankers Perspective

We have a lot of questions about the lending business. Many of our contemporaries who want our opinions on the commercial loan business.

Warren Buffet was on the radio this morning. He said that "when markets greedy, be afraid. When markets fear, be greedy." I think we can all apply this perspective to our position in the commercial loan industry. In a few years, the credit crisis will be resolved. The lending business will be different but will still be valid.

There will be more government regulation of safe and probably more intense review of credit rating agencies out there, like so MOODY'S Perhaps there will be a new type of loan facility to replace the existing CMBS platform, but players who will be kicked out if pulled themselves how they see their competition and will still make money serous learn "ropes" of their new chosen field. The survivors will make great progress in market share.

We believe that problems can and will solve. This is just another recession in a long list of them. We go through this every 10 or 15 years. Now is the time to adapt and refine your skills - not the time to pull out. We tend to think much about what is still funding. What lenders and banks are still looking for offers? No matter what the borrower wants or thinks he should get. It 's more an attitude of take it or leave it.

The lending business is still moving forward, with a limp for sure, but it is still moving forward. For example, we are still closing loans. Both owner occ and investment. This is the time people build significant wealth, business opportunities for collect or take pieces of market share that just would not be possible in normal times .......