Hospitality Lending Part Three

September 24, 2018 - By:

Hospitality Lending Part Three: Underwriting Example II – Limited Service Hotel in Suburban Boston Market By Jeff Nolan A similar example is provided below for a 100-room limited service hotel located in the Suburban Boston Hotel Market. In this example, based on the 2000 suburban market occupancy rate of 73.3 percent and ADR of $108.00, […]

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Are you on track for CECL transition?

February 12, 2018 - By: Tags: , , , -

All financial institutions are required to follow the CECL model – some starting in 2020 and the rest soon after. The new requirements to use historical information, current conditions, forecasts, and macro market conditions for estimation, will put greater demands on the institutions’ credit and information technology teams to generate significantly more data…

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Credit Training Helps Sharpen Internal Credit Analysts

January 23, 2018 - By:

At Cobblestone Management we recognize that primary challenges for community banks today is finding the capacity to develop internal credit analysts and junior lenders. We take pride in keeping our team at the forefront of the ever-changing regulatory landscape. Staying abreast of these changes, as well as staying on top evolving technologies, tools, and processes, is integral to ongoing team development and training.

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Stress Test

Using Stress Test to Leverage your Balance Sheet

January 22, 2018 - By: Tags: , , , , , , , , -

In our current environment of heightened regulatory scrutiny on construction and development lending, one ought to be thinking about key elements of your construction portfolio and how it supports growth and aligns with your business objectives. If your construction loan portfolio is approaching or has grown over 100% of capital, then it is likely you will be subject to increased scrutiny from your regulators. An expert third-party validation can help you execute your strategy and achieve your goals.

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