Blog - Cobblestone Management LLC

Cobblestone Courier – October 2019

October 16, 2019 - By: Cobblestone Management

The Commercial Mortgage Back Securities Market: Lessons from the Great Financial Crisis It has been widely reported in recent weeks that the presence of an Inverted Yield Curve has preceded the onset of recessions by an average of 22 months during the last several economic cycles. “Whether or not the inverted yield curve present today [...] Continue Reading

Cobblestone Courier – July 2019

June 21, 2019 - By: Cobblestone Management

Is it time for a fresh approach to your commercial lending process? Our relatively stable economy has helped financial institutions [...] Continue Reading

Hospitality Lending Part Four

October 10, 2018 - By: Dawn Nedell

Hospitality Lending Part 4: Eight Best Practices in Hotel Underwriting and Risk Management By Jeff Nolan The US Hotel […]

Hospitality Lending Part Three

September 24, 2018 - By: Dawn Nedell

Hospitality Lending Part Three: Underwriting Example II – Limited Service Hotel in Suburban Boston Market By Jeff Nolan A similar […]

Hospitality Lending Part 2: Underwriting Example I – Full Service Hotel in Boston/Cambridge Market

September 4, 2018 - By: Cobblestone Management

BY JEFF NOLAN After last week’s introduction into the current state of the hotel market in and around Boston, […]

Hospitality Lending Part 1: The Current State and Volatility of the Boston/Cambridge and Suburban Boston hotel market

August 20, 2018 - By: Cobblestone Management

By Jeff Nolan After its sharp decline following the recession in 2008, the Hotel industry recovery began in March of […]

Thank you from Cobblestone Management

March 10, 2018 - By: Dawn Nedell Tags: CECL, enterprise risk management, Loan Review, Stress Test -

Dear Valued Cobblestone Client: Thank you for your continued trust in Cobblestone Management as your loan review and stress test [...] Continue Reading

Credit Training Helps Sharpen Internal Credit Analysts

January 23, 2018 - By: Dawn Nedell

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.

Using Stress Test to Leverage your Balance Sheet

January 22, 2018 - By: Dawn Nedell Tags: Cobblestone Management, Construction Stress Test, credit risk management, Credit Underwriting, enterprise risk management, Kevin Henkin, Loan Policy, Loan Review, Underwriting Review -

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.

Policy Exception Reporting is a New Focal Point of Regulators

November 29, 2017 - By: Dawn Nedell Tags: credit risk management, enterprise risk management, Loan Policy, Loan Review, policy exceptions -

One of the benefits of having so many financial institutions as clients is our ability to stay constantly informed regarding regulatory “hot-button” issues. Much of those issues have revolved around stress testing, credit underwriting support and enterprise risk management.