Hospitality Lending Part 4: Eight Best Practices in Hotel Underwriting and Risk Management By Jeff Nolan The US Hotel Market is currently experiencing the longest period of sustained growth in memory with occupancy and ADR at historic highs. In most New England markets, hotel performance has paralleled the overall US market. This has led […]
Continue ReadingHospitality Lending Part Three: Underwriting Example II – Limited Service Hotel in Suburban Boston Market By Jeff Nolan A similar […]
Continue ReadingSave the date for Cobblestone 4th Annual Economic Summit Cobblestone Management is excited to announce that we will be […]
Continue ReadingBY JEFF NOLAN After last week’s introduction into the current state of the hotel market in and around Boston, […]
Continue ReadingBy Jeff Nolan After its sharp decline following the recession in 2008, the Hotel industry recovery began in March of […]
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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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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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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.
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In order to understand where your institution fits in the competitive commercial lending marketplace, peer analysis and the periodic measurement of industry trends is a must. As we consider it one of Cobblestone’s primary missions to help financial institutions remain informed, we did some number-crunching on your behalf to determine annualized commercial lending trends up to Q2 2017.
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