Independent Banker - January 2019 - 20
PORTFOLIO
Keep your eyes
on your sites
Lending
Site visits are the key to
protecting your community
bank's commercial and industrial portfolio.
Here's why. By Judith Sears
ore than one community banker has
made a site visit to a business in their commercial
and industrial (C&I) loan portfolio only
to find that the business has closed or changed
hands, the inventory or equipment used as loan
collateral has vanished, or a health code violation
has been plastered to the door.
" Name anything that goes wrong with any kind
of business and you can find that when you go
for a site visit, " says Tom Pool, senior vice pres20
Q ICBA Independent Banker Q January 2019
M
ident and Small Business Administration (SBA)
loan department manager for $1.6 billion-asset
Mountain West Bank in Coeur D'Alene, Idaho.
Those kinds of surprises demonstrate why
regular site visits are so important for minimizing
risk in a bank's C&I portfolio. Site visits
won't eliminate business problems, but they
may reveal problems earlier, giving banks the
opportunity to be more proactive in handling
their loan portfolio.
" Common sense tells a lender that if you're
making a secured loan, which is predominantly
what most community banks make, you need to
understand what the condition of the collateral
is, " says Kent DeHart, senior vice president and
Quick stat
50%
of small business
loans are made
by community
banks
Source: ICBA
Independent Banker - January 2019
Table of Contents for the Digital Edition of Independent Banker - January 2019
Table of Contents
Independent Banker - January 2019 - Cover1
Independent Banker - January 2019 - Cover2
Independent Banker - January 2019 - Table of Contents
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Independent Banker - January 2019 - Cover3
Independent Banker - January 2019 - Cover4
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