Independent Banker - August 2018 - 31
Next: Why extras can be the key to small-business success
occasional appearances by more senior
offi cers. Discussions about the lending
environment continue in weekly loan
committee meetings and sales meetings,
says James E. Kleinfelter, the bank's
president and chief executive. Management
has also been stressing the need
for lenders to encourage meaningful
deposit relationships from borrowers.
Even though some bankers say they
Help customers
understand
why the rates
are changing.
haven't yet seen signifi cant pushback
among borrowers, it's still important
to arm loan officers with the proper
tools to respond. To make things more
streamlined, Clint G. Morton, senior
lender at Farmers & Merchants Bank, a
$150 million-asset bank in Miamisburg,
Ohio, says his bank is discussing the
possible creation of a commercial loan
rate sheet similar to what exists on the
residential mortgage side. With rising
rates, his bank is a bit concerned about
keeping a handle on the pricing and
making sure lenders are raising their
loan rates as the cost of funds increases. A
rate sheet could play a role in how each
commercial loan is priced.
" The bank could always make exceptions
when justified and needed, "
Morton says.
Cheryl Winokur Munk is a writer in
New Jersey.
For more on how to navigate
the rising-interest-rate
environment, turn to page 38.
Fintech demystified
Are you embarking on a fintech journey or do you simply want help
honing your strategy for future success? Visit icba.org/thinktech
for everything you need to know to get started.
LENDING MORE
THAN A HAND
Federal Home Loan Banks offer products, solutions, and services that
help community lenders put homeownership within reach for their
borrowers. Contact your FHLBank to learn more.
FHLBMPF.COM * 877.463.6673
http://www.icba.org/thinktech
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Independent Banker - August 2018
Table of Contents for the Digital Edition of Independent Banker - August 2018
Table of Contents
Independent Banker - August 2018 - Intro
Independent Banker - August 2018 - Cover1
Independent Banker - August 2018 - Cover2
Independent Banker - August 2018 - Table of Contents
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Independent Banker - August 2018 - Cover3
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