Churchill Asset Management’s Post

Join Bank Advisors this Thursday, March 7th, as we discuss your options for C&I, Working Capital, and Asset-Based loan diligence. This webinar is designed for Chief Credit Officers, Credit Analysts, and Commercial Lenders. 🗓️ Thursday, March 7th ⏰ 2:30 - 3:00 pm CST 👉 https://lnkd.in/ez28JMup To learn more about Bank Advisors, please visit BankAdvisorsLtd.com this week. #Webinar #Banking #CommercialLending #BankAdvisors #Bankers #Banks #AssetBasedLending

👀 We're watching the Senior Loan Officer Opinion Survey on Bank Lending Practices, which captures changes to demand for and access to credit. Zonda's Ali Wolf breaks down the latest survey HERE: https://bit.ly/3DMASpE

FAQ: How do non-traditional lenders assess creditworthiness differently from banks? Non-traditional lenders assess creditworthiness beyond just credit scores, using algorithms to consider a wider range of data like rent, utility and bill payments.

Banks are scoring big in the loan market, while private credit firms play tough defense. Direct lenders are repricing loans to intercept banks' passes, but can't match the lower rates. 📉 Direct lenders are pushing back and asking for more call protection, to deter borrowers from refinancing their loans with competitors. For now, the BSL market is a clear threat, especially if M&A activity doesn’t pick up… 👉 Read now — https://lnkd.in/gJkKxQZz #privatecredit #debtcapitalmarkets #directlending

We are in an interest rate environment that’s making it somewhat uncomfortable to operate in for both banks and businesses right now. But once we get stability back in the interest rate environment, I feel strongly that we will see an increase in business activity that will be hugely impactful to the economy. I’m very optimistic about what’s ahead and feel Valley Bank is well positioned to continue to grow and thrive today – and tomorrow. I talked about this plus the increased competition for deposits, current loan activity, and more on the Power Lunch today on CNBC. https://lnkd.in/da6p3gDW

Loan approval rates at big banks fell again in September, while approvals at alternative lenders increased. Read more insights from our Monthly Lending Index and Biz2Credit CEO Rohit Arora https://ow.ly/N1iM50PVKPS via MarketWatch #FinanceNews #BusinessFinance #SmallBusiness #LendingTrends

The intuition to book a fixed-rate loan at a higher rate makes sense, especially when each incremental dollar of funding is as high as it is today. But it exposes banks to when rates fall: borrowers will inevitably demand that the bank lower the fixed rate. See this brief update on how your bank can manage this challenge.

Heartland revises FY2024 profit guidance amid challenges - BusinessDesk: ... Bank to issues affecting legacy lending, and the expected impact of the acquisition of Challenger Bank. The new guidance range for NPAT is $93 ...

Use of hedging tools like borrower swaps and balance sheet hedges like floors or collars to protect the bank and provide better solutions to your customers. Banks with these hedging solutions have a decisive competitive advantage and an equally powerful retention tool.

Facing fierce competition and changing borrower needs? So was Peoples Bank. They turned to Coviance to transform their lending operations. Here's how →