7 habits of effective lenders

7 H a b i t s o f H i g h l ye f f e c t i v e L e n d e r s

e a s t c o a s tBARBER SHOP

INTRODUCING

#1 Get educated!

Accounting Business Model

Cash FlowIndustry

Covenants

CREDIT

Understanding credit iscritical for value added

structuring and riskmitigation

#2 Listen...really listen

Needs vs Wants

Motivations

Pain points

From the client's perspective

#3 Seek First toUnderstand

Ask How?‐operations questionsAsk Why?‐competition questionsAsk Who?‐management questionsAsk What?‐product questions

The Client's Business

#4 Proactive

Anticipate, recognize and addressissues ( internally and externally)before they become problems

#5 RESOURCEFUL

Effective Bankers know when and

who to call to get things done

#6 Never ForgetTHEIR TEAM

Credit partners

Underwriters

Assistants

Effective bankers engage and leveragetheir teammate to create acompetitive advantage

Response Time Creativity Execution Resource

#7 Communicate Effectively

With prospects, clients and partners

Creative ideas/solutionsFinancial PerformanceIndustry informationEconomic forecast

ExpectationsTeam Changes

Success inlending startswith a strongfoundation in

credit!

Interested in growing revenue?Interested in credit quality?

Interested in talent pipeline?

Contact Uswww.creditrained.com

support@creditrained.com

19+ years in Commercial LendingCommercial, Middle Market & Large Corporate

Local and regional deal teamsOrganizational Design and execution

Talent Sourcing and DevelopmentTurnaround Expertise

Results FocusedCredit Trained

About Me