Independent Banker - March 2019 - 34

PORTFOLIO
" Not all of these loans are the blue-chip
deals that everyone is looking for. "
-Mark Skelton, FNBC Bank
involved in national USDA lending,
you have to send paper documents to
each of the 50 states and then deal with
inconsistent turnaround times. " From
the start, we realized that USDA lending
was going to be a longer and more
burdensome process, so we dedicated
full-time staff members to the process, "
he says. " The payoff is that, once
you understand the process, you can
work across multiple loan programs. "
Another key to success for Live
Oak Bank is that it utilizes a vertical
strategy. Its SBA program targets vertical
markets such as automotive care,
entertainment centers, fi tness centers,
franchise restaurants, funeral homes,
Changing the Way You View Funding.
pharmacies and more.
" We pioneered this in our SBA lending
area, " Blanchard says. " We operate
the same way in our USDA lending. "
The lending team has a group dedicated
to just the USDA REAP, another
group dedicated to B&I, another to
water and environmental, another to
community facilities and others.
" As such, our loan offi cers are not
generalists, " Blanchard says. " They
have extremely specialized knowledge.
They know all of the detailed rules for
each type of lending program, even
within the overall USDA program. "
Building a signature product
Another community bank fi nding
small-business lending success in
a niche market is $5.9 billion-asset
Woodforest National Bank in The
Woodlands, Texas, which operates
700-plus branches across 17 states. Its
niche is small-business lending that
focuses on the Community Reinvestment
Act (CRA).
800.783.4273 | info@pmafunding.com
The CRA, a piece of federal legislation
enacted in 1977, encourages
depository institutions to help meet
the credit needs of their surrounding
communities, especially low- and
moderate-income neighborhoods.
According to Doug Schaeff er,

Independent Banker - March 2019

Table of Contents for the Digital Edition of Independent Banker - March 2019

Table of Contents
Independent Banker - March 2019 - Intro
Independent Banker - March 2019 - Cover1
Independent Banker - March 2019 - Cover2
Independent Banker - March 2019 - Table of Contents
Independent Banker - March 2019 - 2
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Independent Banker - March 2019 - Cover3
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