Podcasts about chief credit officer

Critical minerals are back in the spotlight as the global push for access to those supply chains grows – along with the risks for credit and areas like national security. These elements, like lithium and cobalt, are key components of everything from electric vehicles to semiconductors. A subset, called rare earths, have qualities like magnetic powers and high heat resistance. But just because you have them, doesn't mean they are ready for use.  There is a complex and expensive extraction and refining process – and China dominates the world's production capacity. Many countries are years away from refining minerals at the same scale domestically. We discuss how critical minerals have become economic levers, spurred by geopolitical and trade tensions, demand for high-tech defense equipment, investment in AI and data centers, and diversification of energy sources.   Host: William Foster, Senior Vice President, Sovereign Risk, Moody's Ratings   Guests:  Atsi Sheth, Chief Credit Officer, Moody's Ratings Claire Li, Senior Analyst, Credit Strategy, Moody's Ratings   Related Research:  Sovereigns – Emerging Markets - Critical minerals boom offers a step up the value chain if structural constraints ease 13 July 2026 Flipbook: Critical mineral and material reliance poses risks to US, but policy support offers relief, 5 November 2025 Critical minerals – China: A detailed view of the sector, 12 June 2025 Artificial Intelligence – Rare earth metals: China's dominance of critical minerals supply chain creates vulnerabilities for tech firms, 2 July 2025 Moody's Emerging Markets Credit Risk Insights & Analysis © 2026 Moody's Corporation and/or its licensors and affiliates. All rights reserved. Go to www.moodys.com/pages/globaldisclaimer.aspx for complete legal terms and conditions governing use of Moody's information made available in this video. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Relationships still matter. In this episode of What's Working in Ag, Tanner sits down with TJ Roemmich, Chief Credit Officer at Conterra Ag Capital and employee number one at the company, to discuss how successful farmers position themselves for growth, how lenders evaluate risk, and what producers can do when finances become challenging. TJ shares insights from more than a decade helping producers navigate farm real estate lending and explains why strong financial records, clear communication, and trusted relationships remain critical in today's agricultural economy. While technology continues to change the way business gets done, agriculture is still a people business where face-to-face conversations and long-term partnerships create opportunities. Topics include: Why relationships continue to be one of the most valuable assets in agriculture How Conterra approaches lending and farm financing Common reasons farmers receive loan denials Practical ways to improve a financing application The importance of accurate financial statements and strong recordkeeping How producers can turn a “no” into a future “yes” Managing working capital and controlling fixed costs Current farmland market trends across different regions Why quality farmland continues to outperform weaker properties Beginning farmer financing opportunities through USDA and FSA programs Advice for young and beginning producers looking to build their operations The role of trusted advisors, CPAs, and financial planning in farm success Whether you're preparing for your first operating note, considering a land purchase, or simply looking to strengthen your farm's financial position, this conversation offers practical advice that can help producers make better business decisions and position themselves for long-term success. Want Farm4Profit Merch? Custom order your favorite items today!https://farmfocused.com/farm-4profit/ Don't forget to like the podcast on all platforms and leave a review where ever you listen! Website: www.Farm4Profit.comShareable episode link: https://intro-to-farm4profit.simplecast.comEmail address: Farm4profitllc@gmail.comCall/Text: 515.207.9640Subscribe to YouTube: https://www.youtube.com/channel/UCSR8c1BrCjNDDI_Acku5XqwFollow us on TikTok: https://www.tiktok.com/@farm4profitllc Connect with us on Facebook: https://www.facebook.com/Farm4ProfitLLC/Farm4Profit Media is not a financial, legal, or tax advisor. Content is provided for informational purposes only, and we serve solely as a platform for third-party opinions. Any actions taken based on this content are at your own risk. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Is the US economy increasingly dependent on high-income consumers? In this episode of “Credit Currents,” Mark Zandi, Chief Economist at Moody's Analytics, and Atsi Sheth, Chief Credit Officer at Moody's Ratings, examine the reality of the K-shaped economy. They explore how the top 20% of earners now drive roughly 60% of spending, while lower-income households face mounting pressure from rising costs of essentials like food, fuel and housing. From premium airline demand to tightening credit conditions and weakening real income growth, this episode highlights why economic growth may appear stable, but is becoming increasingly fragile and concentrated.   Host: Patrick Ronk, Vice President, Moody's Ratings Guests: Mark Zandi, Chief Economist, Moody's Analytics Atsi Sheth, Chief Credit Officer, Moody's Ratings   Related Research:  Global Macro Outlook (May 2026 Update) - Global energy market stress weighs on growth prospects The State of the Consumer (March 2026) – US - Higher energy prices and a narrowing consumption base pose risks to spending The State of the Consumer (May 2026) – Europe - Middle East conflict will weaken consumer confidence and nascent economic recovery Geopolitical Risk – Global - Prolonged Strait of Hormuz disruption through autumn broadens credit stress © 2026 Moody's Corporation and/or its licensors and affiliates. All rights reserved. Go to www.moodys.com/pages/globaldisclaimer.aspx for complete legal terms and conditions governing use of Moody's information made available in this video. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

When you immigrate to the United States from a former communist country, your point of view about opportunity is different. Kristof's first visit to the US was to New York and he thought it was all like that. As a Top high school decathlete in Poland, he had the chance to come to the United States and he chose Wichita USA. As an outstanding athlete for the Wichita State Shockers, he soon wanted to apply his dedication and capabilities to the business world. Many of us in the US take for granted our opportunities. Chief Credit Officer of Equity Bank, Kristof Slupkowski shares in our conversation how difficult it is to legally immigrate so that you can take advantage of the wonderful opportunities in the land of the free. He is an outstanding disciplined human being, and I am grateful to share his story.

What does it actually take to finance — and sustain — a successful senior living community in today's environment? In this episode of Foresight Radio, we sit down with Kristy Ollendorff, Chief Credit Officer at Clearinghouse CDFI, to unpack the realities behind senior living finance — from underwriting decisions to the growing challenges around Medicaid reimbursement, staffing, and shifting regulations. With nearly three decades of experience, Kristy shares what separates thriving communities from those that struggle — and why experience, local market knowledge, and aligned incentives are non-negotiables. We also dive into: Why many lenders are pulling back from senior living—and what that means for operators The real impact of delayed Medicaid reimbursements on cash flow How smart operators are pivoting (memory care, private pay mix, unit conversions) to survive Why "hired hand" leadership models often fail—and what works instead The growing importance of rural markets and state-backed loan guarantees What the future of financing senior living could look like over the next 5–10 years One theme comes through clearly: rigidity doesn't work in this industry anymore. Adaptability does. Whether you're an operator, investor, or industry leader, this conversation offers a candid look at the financial forces shaping senior living—and what it takes to navigate them successfully.

Emerging markets have weathered a string of global shocks since 2019 with more resilience than in past cycles, supported by stronger policy frameworks, deeper local markets and larger buffers.   We discuss why credit outcomes are increasingly uneven across EMs, how a more fragmented global economy is reshaping trade and financing, and why investors are focusing on country-by-country differentiation.   Looking ahead, we explore what could test that resilience next, including high interest rates, debt-affordability pressures and the policy choices that will separate stronger credits from weaker ones.   Host: William Foster, Senior Vice President, Sovereign Risk, Moody's Ratings   Guests: Atsi Sheth, Chief Credit Officer, Moody's Ratings; Ariane Ortiz-Bollin, Associate Managing Director, Sovereign Risk, Moody's Ratings   Related Research: Middle East Conflict – India: Energy shock fuels external, inflationary and sectoral risks, 20 April 2026 Corporates – Indonesia: Policy uncertainty will constrain credit strength as regulatory intervention rises, 16 April 2026 Sovereigns – Global: Middle East shock will test sovereigns with limited credit buffers, 7 April 2026 Sub-Saharan African Macro Monitor: Financing needs will remain broadly stable in 2026,  31 March 2026 © 2026 Moody's Corporation and/or its licensors and affiliates. All rights reserved. Go to www.moodys.com/pages/globaldisclaimer.aspx for complete legal terms and conditions governing use of Moody's information made available in this video. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The private credit market has morphed into a powerhouse, deriving its allure from low volatility, stable and high predictable returns.   But less than a year after the so-called “golden age” of private credit, the asset class is now grappling with a period of uncertainty following its astronomical growth.    That volatility includes a wave of redemptions – when investors go to credit funds and ask for their money back — on top of disruption from AI and calls for more transparency. The wildcard of retail investors also raises the stakes.   In this episode, we discuss the negative outlook for perpetual non-traded BDCs (Business Development Companies), the impact from the Middle East conflict, exposure for the software sector, and what regulators might do next.   Host: Gabriel Agostini, Assistant Vice President, Credit Strategy and Research, Moody's Ratings   Guests: Marc Pinto, Global Head of Private Credit, Moody's Ratings; Atsi Sheth, Chief Credit Officer, Moody's Ratings    Related Research:  Private Credit – Global Volatility will intensify focus on liquidity, transparency 22 April 2026 Business Development Companies – US – Outlook changes to negative on increased redemption pressures, higher leverage 7 April 2026 Private Credit – North America – Credit Estimates point to eroding credit quality among middle-market borrowers 13 April 2026 Banks – US – Aggregate loan exposure to non-depository financial institutions rises to $1.4 trillion 31 March 2026 Moody's Private Credit Insights © 2026 Moody's Corporation and/or its licensors and affiliates. All rights reserved. Go to www.moodys.com/pages/globaldisclaimer.aspx for complete legal terms and conditions governing use of Moody's information made available in this video. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The US Supreme Court's rejection of the raft of US tariffs imposed in 2025 under the International Emergency Economic Powers Act (IEEPA) offers near-term relief for some exporters, but some sectors may still be in the crosshairs.   We discuss the prospect of refunds, the durability of restrictive trade frameworks, and how the US administration will likely tap other legal means achieve its trade agenda.   This comes amid upheaval from the Middle East conflict which is rippling across sectors and deepening the uncertainty.   Host: William Foster, Senior Vice President, Sovereign Risk, Moody's Ratings    Guests: Atsi Sheth, Chief Credit Officer, Moody's Ratings   Related Research:  Tariffs – Global – Trade deal commitments and new tariffs diminish effects of IEEPA ruling 3 March 2026 Tariffs – US – FAQ: Trade uncertainty will persist after Supreme Court rules on IEEPA tariffs 19 Feb 2026 Government Policy – US – Midterm dynamics and 'America First' agenda to shape credit in 2026 19 Feb 2026 Moody's Tariff Tracker   © 2026 Moody's Corporation and/or its licensors and affiliates. All rights reserved. Go to www.moodys.com/pages/globaldisclaimer.aspx for complete legal terms and conditions governing use of Moody's information made available in this episode. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

About 25% of Americans can't get a credit card from a major bank, and more than half are one or two missed paychecks from a credit crisis. Yet most financial institutions still design their products for prime borrowers and pretend the rest of the market doesn't exist.In this episode of Banking Transformed, I sit down with Steve Min, Chief Credit Officer at Credit One Bank, who has built a business around the customers most banks would rather turn away. We talk about why two-thirds of consumers don't understand the basics of how their credit score is calculated, why the stigma around imperfect credit keeps people from getting help, and what it actually takes to rebuild a credit profileSteve explains how Credit One approaches risk differently, why its Credit Wreckers program teaches people what not to do with their credit, and how building financial momentum can help borrowers qualify for better products over time. If your institution claims to serve the underserved, this conversation will challenge whether you're actually doing it.Resources:CreditWreckers.comForWhatsAhead.comThis episode of Banking Transformed is sponsored by Credit One Bank Credit One Bank is a financial services company and one of the fastest-growing credit card issuers in the U.S. Founded in 1984 and headquartered in Las Vegas, Credit One Bank offers a full spectrum of credit card products including cash back and points-based cards as well as high-yield certificate of deposit and savings accounts. Credit One Bank is also an official partner of the Las Vegas Raiders and the Official Credit Card of NASCAR, the Vegas Golden Knights and Best Friends Animal Society. Learn more at CreditOneBank.com, in our Newsroom or on social media (@CreditOneBank) on Facebook, Instagram, YouTube, and LinkedIn.

Do you really need a banker in an era of digital banking, AI, and one-click financial tools? And if so, what kind of banker actually makes a difference for your business?In this episode of The Agent of Wealth, host Marc Bautis is joined by Walt Postlewait, a longtime banking and credit risk leader with more than 20 years of experience in commercial lending, financial innovation, and access to capital. Walt is the Co-Founder of Portfolio Watch and Chief Credit Officer at MStreetX, and over his career he has helped deploy more than $600 million to support small businesses, real estate, and economic development.Together, Marc and Walt unpack the evolving role of bankers, why relationships still matter in lending, and how community banks continue to play a critical role for business owners — even in an increasingly digital world.In this episode, you will learn:Why small business owners still need a banker — and why that relationship should be built long before you need a loan.The key differences between community banks, national banks, and digital platforms, and where each one has an edge.How community banks evaluate loans differently, including why local decision-making and business context can change outcomes.How technology and AI are improving the lending process, from fraud detection to smarter loan monitoring after funding.What business owners should focus on to work on their business, not just in it, and why strategic thinking impacts long-term value.And more!Tune in for a practical, behind-the-scenes look at how lending decisions are really made, why relationships still matter in finance, and how business owners can position themselves for smarter, more flexible access to capital — even as banking continues to evolve.Resources:Episode Transcript & Blog | Walt Postlewait on LinkedIn | Portfolio Watch on LinkedIn | portfoliowatch.co | Email: walt@portfoliowatch.co | Bautis Financial: 8 Hillside Ave, Suite LL1 Montclair, New Jersey 07042 (862) 205-5000 | Schedule an Introductory CallWant to be a guest on The Agent of Wealth? Send Marc Bautis a message on PodMatch, here: https://tinyurl.com/mt4z6ywc

In this episode of Commercial Real Estate Now, Karly Iacono sits down with Scott Friedman, Chief Credit Officer at Pulse Ratings, to break down the drivers behind today's most high-profile Chapter 11 cases. Grounded in real cases including Rite Aid, Joann, Party City, Big Lots, At Home, Claire's, and major casual dining operators, this conversation explores what's actually behind the bankruptcy filings; beyond headlines and sentiment. They break down the categorical factors shaping outcomes including macro economic pressures, private equity ownership, shifting consumer preferences and more. This discussion gives investors and landlords a grounded view of the credit dynamics to watch over the next 12 - 18 months and the conditions that may influence which retailers remain stable, restructure, or become higher risk.Learn more about Pulse Ratings:https://www.pulseratings.com/For speaking inquiries, collaboration, or investment discussions, contact Karly Iacono at karly.iacono@cbre.com or (201) 600-3237#RetailRealEstate #CommercialRealEstate #CREInvesting #RetailInsights #NetLease #RetailStrategy #TenantCredit #PulseRatings #RetailTrends #InvestmentInsights #RetailRisk #CreditAnalysis #RealEstateInvesting #KarlyIacono #commercialrealestatenow Warning-IRS Circular 230 Disclosure: CBRE and its affiliates do not provide tax advice and nothing contained herein should be construed to be tax advice. Please be advised that any discussion of U.S. tax matters contained herein is not intended or written to be used, and cannot be used, by the recipient of any Information for the purpose of avoiding U.S. tax-related penalties; and was written to support the promotion or marketing of the transaction or other matters addressed herein. Accordingly, any recipient of this video should seek advice based on your particular circumstances from an independent tax advisor. You also agree that the information herein down not constitute legal or other professional advice and you should obtain legal advice from a qualified attorney licensed in your state. The opinions contained in this video are those of Karly Iacono and may not represent those of CBRE. All content is for educational purposes only. The following content may contain the trade names or trademarks of various third parties, and if so, any such use is solely for illustrative purposes only. All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with, endorsement by, or association of any kind between them and CBRE or Karly Iacono.

Janice Crawford, Chief Credit Officer at NHS Chicago, joins Lisa Dent on Giving Tuesday to talk about NHS’ effort to help people build wealth and become knowledgeable homeowners.

Differing views on politics and the economy are making it harder for lawmakers to agree on issues like trade, immigration, regulation and fiscal policy. In this episode, Moody's Ratings experts unpack the risk to credit in 2026 and repercussions for businesses and consumers.  Learn more and watch the full episode at moodys.com/outlooks  Host: Paloma San Valentin, Managing Director, North America Corporate Finance, Moody's Ratings  Guest: Atsi Sheth, Chief Credit Officer, Moody's Ratings  Related Research: Credit Conditions – Global – 2026 Outlook – Politics, innovation and extreme weather will drive credit conditions 10 Nov 2025Sovereigns - Global - 2026 Outlook - Negative as policy, political risks outweigh pockets of resilience 13 Nov 2025Government Policy – US – How credit effects of tax and spending shifts vary across sectors 31 Jul 2025 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Sandi Burns, Chief Credit Officer at Manulife Bank, discusses the increasing prevalence of mortgage fraud, particularly in Atlantic Canada. She highlights "fraud for shelter," where individuals alter documents to qualify for mortgages, and "fraud for profit," involving organized crime. The conversation also touched on the importance of regulatory compliance and the evolving landscape of mortgage fraud.

Todd and Clinton are joined by Sandi Burns, Chief Credit Officer at Manulife Bank, to discuss her role in setting mortgage guidelines and managing the lending portfolio. She highlights Manulife's unique mortgage product, the Manulife One, which combines a checking account and mortgage, allowing customers to pay down their mortgage faster. Burns also notes the impact of economic uncertainty on consumer confidence, particularly in the residential market, and the rise in non-mortgage debt. 

This week on The Art of SBA Lending, we're sitting down with a true SBA powerhouse: Kirk Beeson, SBA Managing Director at Veritex Community Bank, and former Chief Credit Officer (and so much more!) at Fund-Ex Solutions Group. Ray Drew and Kirk take a deep dive into the inside story of Fund-Ex: from its promising start-up days to navigating the chaos of PPP and the eventual sale. What does it really take to build an SBA shop from the ground up? How do you maintain culture while scaling at lightning speed? And when do you know it's time to step away?  

If you've ever felt like the bank just doesn't get how construction works, you're not alone.Every contractor has heard it: “Great project…

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Anthony Ho, Managing Director and Chief Credit Officer, Amerihome Mortgage Episode discussion timestamps: 1:39 - Tell us how you got into this business. 3:18 - 2025 hasn't started at the pace I think many lenders were hoping for. What do you anticipate volumes will be like for the balance of the year? 4:31 - How can lenders stay competitive in a challenging market? 6:41 - What are your thoughts on the use of AI in the mortgage industry? 10:32 - Can you share with our listeners why you chose to support our organization? To learn more about the California MBA, visit cmba.com

Elena Duggar, Managing Director and Chief Credit Officer for the Americas at Moody's Investor Services, joins the show to unpack the sovereign credit ratings process, the challenges shaping the industry, and the future of credit ratings.

Sarah Carlson is joined by the lead analyst for the US, William Foster, and Chief Credit Officer for the Americas, Elena Duggar, to discuss their expectations for fiscal, trade and immigration policy under both US presidential candidates, and what they could mean for the US economy and credit.Speakers: William Foster, Senior Vice President at Moody's Ratings; Elena Duggar, MD-Credit Strategy at Moody's RatingsHost: Sarah Carlson, Senior Vice President at Moody's Ratings

Peter Gleysteen, Founder, CEO & CIO at AGL Credit Management joinsyour host Brian Bejile, CEO of Octaura on The Ramp Up. Peter is a legend in thestructured credit industry, successfully navigating every economic cycle andmarket crisis since his career began in 1975. Pulling from his uniqueupbringing, Peter has honed the ability to shed a different perspective throughouthis career – leading him to launch innovations that laid the foundations of howtoday's loan market operates. With experience starting not one, but two buysideshops, Peter is an incredible wealth of knowledge. About PeterPeter Gleysteen is the Founder, CEO, and CIO of AGL Credit Managementwhich he established with the support of Abu Dhabi Investment Authority. AGLcreates and manages corporate credit investments including CLOs and privatecredit with managed assets of $16 billion.Gleysteen has over four decades of credit and management experienceand successfully navigated every economic cycle and market crisis since hiscareer began in 1975. Gleysteen's prior two employers were JPMorgan Chase &Co. and CIFC Asset Management.At JPMorgan Chase, and antecedent entities Chemical Bank and ChaseManhattan, Gleysteen was the lead banker on many of the largest LBO, M&A,and Restructuring financings in the 1980s and 1990s. He ran global loansyndications as Group Head of Global Syndicated Finance, was responsible forthe global corporate loan portfolio as Group Head of Global Capital Management,and then served as the Chief Credit Officer.Gleysteen was integral to the evolution of the bank loan asset classfrom inception, including making the first “B-Loan” in 1989 and conceiving andinstituting the “Market Flex” pricing convention in 1997.Gleysteen founded CIFC Asset Management in 2005 and managed it as CEOfrom inception to 2014 when it was sold. He served as Vice-Chairman and specialadvisor until 2016.Gleysteen formed AGL Credit Management in 2018 and launched it in2019. In 2024, AGL announced an exclusive private credit collaboration withBarclays Bank PLC.Gleysteen has a BA in History from Trinity College, a MBA, ExecutiveProgram, from the University of Chicago, and attended St. PetersburgUniversity, when Russia was the USSR. He is a member of the Council on ForeignRelations and a board member of Mystic Seaport Museum.

Host Phil Young chats with AgCredit's Chief Credit Officer, Josh McBride. Josh explains the benefits of grain inventory loans and also discusses revolving lines of credit and the differences between the two. Additionally, they talk about the Ohio Ag-LINK Loan Program and its benefits for borrowers. Show Notes: https://www.agcredit.net/news/episode-65-three-types-loans-your-grain-operation-josh-mcbride Connect with AgCredit on Facebook, X, and Instagram Share questions and topic ideas with us: Email podcast@agcredit.net  

Ten-Mile Valley Community Prayer Breakfast ... GUEST Patrick O'Brien ... Executive Vice President and Chief Credit Officer, Dollar Bank. How to navigate social media in an Election Season ... GUEST Chris Martin ... director of content at Moody Radio ... author of two books about social media: “The Wolf in Their Pockets” and “Terms of Service”. GUEST Rev Dr Dean Weaver ... Stated Clerk of the Evangelical PresbyterianChurch ... co-founder and former president of EduNations. The Transfiguration when Jesus was transformed & Peter, James, John saw him talking w Elijah & Moses ... GUEST Frederica Mathewes-Green .. she's the author of "The Jesus Prayer: The Ancient Desert Prayer that Tunes the Heart to God," and "Welcome to the Orthodox Church: an Introduction to Eastern Christianity".See omnystudio.com/listener for privacy information.

In this episode of Extra Credit, Danilo Rippa, Head of Multi-Strategy Credit at Man Group is joined by Kevin Marchetti, co-Head of Direct Lending and Chief Credit Officer, and Zeshan Ashfaque, Senior Credit Officer at Man Varagon. Private credit has grown significantly over the past decade, representing a secular shift in how companies access funding – and how investors are allocating to credit. This far-reaching episode offers insight into trends in lending, yields, syndication and how they may – or may not – be impacted by an uncertain economic environment. The world of credit is evolving. Gone are the days when investment grade bonds were only sold over the phone and the world of direct lending was a little-known niche. Corporates now have a multitude of ways to access capital and investors can diversify their credit allocation more than ever before. Extra Credit, the fourth season of our Long Story Short podcast, will explore the ways credit is changing and how it fits into your portfolio. Hosted by Danilo Rippa, Head of Global Credit Multi-Strategy and Global Convertibles at Man Solutions, this season will feature experts from across the credit investing spectrum.

Richard Hunter, Chief Credit Officer, and Justin Patrie, Head of Fitch Wire, dive into the latest Risk Headquarters report, outlining the main risks to global credit this quarter including real estate, geopolitics, China macroeconomics, and more.

Getting FP&A teams to harness their data to reach their goals is the holy grail. Nathan Bell, Managing Partner, VAi Consulting, is among the most in-demand experts. Bell has unique experience– having started in computer science, before leading finance teams at Native American Bank, Digital Media Trends and Gartner– where he advised hundreds of FP&A teams facing chaotic data situations). In this masterclass, he shares a practical framework looking at the expectations, fear and hype surrounding data, analytics and AI for FP&A teams. In this episode: From a computer degree to leading finance teams How Nathan discovered the power of telling stories as Chief Credit Officer at Native American Bank  Overcoming the challenge of presenting to non- financially literate CEOs The challenge when finance is “last in line”  When companies don't have good data and what FP&A teams can do  “Federated data governance” and avoiding turf battles why setting up self-service data as CFO came back to bite me  Using a “metrics cascade” clarifying  data and metrics Critical thinking as the new superpower for finance teams in the AI age  Key to setting  up pilot AI programs  Dinner time when your wife is also a CFO Key quotes: Remember PPDAC. Problem Plan, Data, Conclusion. Your Plan, what Data you need to capture against that plan, analysis, and Conclusion. “If you can master that in that order, I think from a skillset, you're, you're ready” – Nathan Bell. Critical Thinking as the new Superpower for FP&A “Critical thinking is gonna be more powerful than ever. I don't think there'll ever be a situation where we're going to let AI make the decision without going through a human to look at the data. We need to ask what do we do? What's the action? What's the decision?” Connect with Nathan Bell on Linkedin https://www.linkedin.com/in/nathan-bell-1038662/ https://vai-consulting.com/

Richard Hunter, Chief Credit Officer, and Justin Patrie, Senior Director, discuss the key themes of Fitch's recent 2024 Global Outlook report, including sustained elevated interest rates, asset quality deterioration, a US growth slowdown, and more.

Welcome to Part 2 of our State of Small Business Panel on The Art of SBA Lending Podcast with William "Bill" Woodard, Chief Credit Officer at T Bank, Jordan Hallam, Director of Government Guaranteed Lending at SouthState Bank, Nick Roach, President and CEO of Stone Bank. In this episode we cover which industries are hot right now, why you should be thanking your servicing teams, spikes in deal fall-outs and pay-offs, unpacking valuation gaps, and increased brandawareness of SBA since covid.   Don't forget to subscribe to stay up to date with new episodes dropping every Thursday morning! Navigate this episode 1:55 Which industries are doing poorly and which are doing well right now? 5:12 What trends have you noticed from home improvement businesses born in the Covid era? 9:20 Giving credit and props to your servicing teams 11:15 Noticing a spike in pay-offs 14:25 Making revisions to origination based on analyzing your portfolio 17:41 Cautiously optimistic origination 19:20 Unpacking the valuation gap 21:52 Fragility of transactions and deal fall-outs in acquisitions 23:40 Construction industry insights 25:19 Increase in demand and brand awareness for SBA due to PPP 27:42 YOY SBA volume trends for 2023 29:04 One lesson you learned in 2023 32:12 Another one of Ray's games- what inning of this economic cycle are we in? 34:09 One thing to look forward to in 2024 This episode is sponsored by: Rapid Business Plans Rapid Business Plans is the go-to provider of business plans and feasibility studies for government guaranteed small business lenders. For more information, or to set up a Get Acquainted call, email Bethany McClellan at Bethany@rapidbusinessplans.com Lumos Data Lumos empowers your small business lending growth with cutting-edge analytics and streamlined applications that optimize your performance. If you're ready to take your small business lending to the next level with cutting edge analytics visit lumosdata.com.

Frank Rotman, Chief Investment Officer at QED Investors, makes his triumphant return to the podcast to share his wisdom on all things lending. As the first Chief Credit Officer at Capital One (before this role officially existed), Frank has an incredibly rich and nuanced perspective on topics like cashflow underwriting, the value of traditional credit data vs alternative data, and payment protection insurance.   In this conversation, Frank and Alex break down the importance of distinguishing willingness to pay for a loan from the ability to pay for a loan when assessing creditworthiness and wax poetic about what possibilities fintech might be missing out on when it simplifies the credit building down to these two characteristics. And stay tuned because later, Alex asks Frank for his predictions for the future of fintech and financial services and Frank's answers are unlike any other predictions you've heard!    00:00:53 - From Lending to Writing: Frank's Journey 00:03:05 - The Nuance of Credit Underwriting 00:09:21 - Building Sophisticated Underwriting Models with Capital One 00:18:12 - Understanding Reg B: Equal Credit Opportunity Act Implementation 00:26:10 - Maximizing Accurate Pricing of Risk 00:29:49 - Why Companies Must Explain Declines 00:36:38 - The Unique Marvel of American Mortgages 00:49:10 - The Truth About Predatory Lending 00:55:18 - Innovating Credit and Insurance Delivery   Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/   And for more exclusive insider content, don't forget to check out my YouTube page.   Follow Frank:  LinkedIn: https://www.linkedin.com/in/frank-rotman/   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson  

Welcome to the newest season of The Art of SBA Lending Podcast! This week we are kicking off with part-one of a fan-favorite, panel-style episode discussing the (surprising) state of small business. Our host, Ray Drew welcomes Bill Woodard, Chief Credit Officer at T Bank, Jordan Hallam, Director of Government Guaranteed Lending at SouthState Bank and Nick Roach President and CEO of Stone Bank. Listen to their takes on the state of small business and how it's not quite going the way we expected, managing relationships with borrowers that aren't communicating favorably and how to change that, deferment requests, protecting your bank and the benefits of meeting a borrower in person during the lending process. Remember to subscribe to our channel so you don't miss part-two! ‌ 2:15 introduction to the panel 3:45 The state of small business is ____ 6:01 How are small business borrowers doing right now? 8:13 Why the current state of small business is surprising us 9:40 Are borrowers more likely to inquire about deferment requests and concessions these days? 13:55 How the panel handles deferment requests, navigating isolated incidents and protecting your bank 22:12 Dealing with borrowers who don't communicate 24:19 Servicing the loans to enhance borrower communication post-close 28:08 Should lenders be providing ongoing financial analysis as a service for borrowers? 32:22 Should meeting borrowers in-person be the standard? 35:38 Importance of "character", intuition and site visits 41:45 Throwing good money after bad money. When a borrower needs working capital, what do we do?   ---------------------------------------------------------------------------------     This episode is sponsored by:      Able Able is an a AI-powered deal acceleration platform that streamlines the most hated process in SBA lending: document collection and management. You can learn more about Able and schedule a demo by going to www.able.ai     Lumos Data Lumos empowers your small business lending growth with cutting-edge analytics and streamlined applications that optimize your performance. If you're ready to take your small business lending to the next level with cutting edge analytics visit lumosdata.com 

In this weeks can't-miss episode Ray sits down with his former boss, Mark Gibson, National Sales Manager at First Internet Bank . Ray first met Mark while working at Ready Capital- an experience in which Mark gives credit for preparing him for the difficult feat of starting and scaling a national SBA program to the top 10 the way that he did. Mark goes over some key aspects of what has made First Internet so successful, including the importance of a Chief Credit Officer, staying one step ahead, and communication with your staff. Listen in to hear more about his experience and how First Internet solidified its spot at the top. Don't forget to subscribe and share our channel if you're enjoying our episodes! Navigate this episode: 2:16 Intro to Mark Gibson 4:16 Marks initial vision for First Internet and strength of current SBA industry 8:38 Marks background influenced his ability to scale First Internet 13:00 Keys to success that make a shop stand out 19:25 What makes a good BDO and what it takes to have a great BDO team 23:26 The pitfalls of starting an SBA shop 25:55 How important is a Chief Credit Officer to a shop? 30:15 Credit culture at First Internet 34:25 Capacity for credit team 36:30 Marks biggest strength, previous roles and mentorship 44:00 Has the new SOP impacted First Internets business plan? This episode is sponsored in part by: Able is an a AI-powered deal acceleration platform that streamlines the most hated process in SBA lending: document collection and management. You can learn more about Able and schedule a demo by going to www.able.ai Baker Lewis | Baker Lewis is the SBA lending industry's premier executive search and personnel consulting firm.

Hear veteran risk manager, advisor and professor Clifford Rossi's viewpoints on trends, threats and opportunities in the commercial and residential real estate markets.  The past couple of years have been an extremely challenging time for risk practitioners charged with measuring and managing real estate risk. In both commercial real estate and residential real estate, concerns have been raised globally about interest rates, inflation and economic uncertainty. Indeed, in a recent Federal Reserve survey on salient risks – part of the Fed's October Financial Stability Report – roughly 75 percent of respondents cited the potential for “large losses on CRE and residential real estate.” CRE, more specifically, has been plagued by escalating vacancy rates for office buildings, thanks in part to the remote work trend that started during the pandemic and has since taken off. Residential real estate, meanwhile, has dealt with worries about housing affordability. As a former CRO at multiple banks and as an ex-senior risk manager at Fannie Mae and Freddi Mac, Cliff Rossi, our honored guest today, knows all about the CRE and residential real estate risks facing financial institutions today. Cliff, the current Director of the Smith Enterprise Risk Consortium at the University of Maryland (UMD), speaks with GARP editorial director Robert Sales about global real estate concerns and challenges, and offers advice on how firms can more effectively manage their exposures.   SPEAKER'S BIO: Clifford Rossi (PhD) is the Director of the Smith Enterprise Risk Consortium at the University of Maryland (UMD) and a Professor-of-the-Practice and Executive-in-Residence at UMD's Robert H. Smith School of Business. He is also the author of GARP's monthly “CRO Outlook” column. Prior to entering academia, Rossi had nearly 25 years of experience in banking and government, having held senior executive roles in risk management at several of the largest financial services companies. His most recent position was Managing Director and Chief Risk Officer for Citigroup's Consumer Lending Group, where he was responsible for overseeing the risk of a $300+B global portfolio of mortgage, home equity, student loans and auto loans with 700 employees under his direction. While there he was intimately involved in Citi's TARP and stress test activities. He also served as Chief Credit Officer at Washington Mutual (WaMu) and as Managing Director and Chief Risk Officer at Countrywide Bank. Previous to these assignments, Rossi held senior risk management positions at Freddie Mac and Fannie Mae. He started his career during the thrift crisis at the U.S. Treasury's Office of Domestic Finance and later at the Office of Thrift Supervision working on key policy issues affecting depositories. Rossi was also an adjunct professor in the Finance Department at the Robert H. Smith School of Business for eight years and has numerous academic and nonacademic articles on banking industry topics. Rossi is frequently quoted on financial policy issues in major newspapers and has appeared on such programs as C-SPAN's Washington Journal and CNN's Situation Room. His book for risk practitioners and graduate students, A Risk Professional's Survival Guide, was published in 2014 by John Wiley & Sons, Inc. His research interests are in financial and nonfinancial risk management, risk governance and analytics and climate risk.

In this episode of the Big Picture podcast, we discuss the narrative around the dollar's demise, the implications for the global economy and the viability of its rivals.Guests: Al Wilson, Chief Credit Officer at Moody's Investors Service (MIS), and William Foster, Senior Vice President at Moody's Investors ServiceHost: Sarah Carlson, Senior Vice President at Moody's Investors Service

GNKD host, former Nashville Mayor and TNWAC Board Chair Karl Dean talks with Andy Moats, Executive Vice-President, Director of Music, Sports, & Entertainment Pinnacle Financial Partners. The wide ranging conversation covered Andy's professional experiences in music -- from touring with a rock band to leadership in music banking; to directing financial services for entertainers and sports figures. His passions and pursuits include fast cars and his role in bringing Grand Prix racing to Nashville. There's much more to this story. You won't want to miss this story about a Nashville native who has been key to many of the special aspects that make Nashville a global city. TNWAC wishes to thank Pinnacle Financial Partners for support to the Council and the goal of bringing global affairs awareness programs to the community. Recorded: Sep 25, 2023 | RT 30:10 Bio Andy Moats, 46, is a Nashville native whose background combines restaurants, music, racing, and creating a bank. After graduating from Vanderbilt University (Economics, 1999) Andy took time to pursue his passion for music, touring and supporting a multi-platinum rock band during the year 2000. Having played in various bands from an early age, his days performing may be over but his passion for music has helped to grow one of the largest music and entertainment focused banks in the country. In 2001, Andy began his banking career at Union Planters Bank then-turned Regions Bank, rising to the role of Commercial Real Estate Credit Manager with credit responsibility for all real estate loan activity in the Southeast. While pursuing his career path in banking, Andy was also heavily involved in his family's NASCAR business – Brewco Motorsports (#27, #37, #66) – and various family restaurant companies. In 2006, Andy co-founded what would become Avenue Bank. While at Avenue, as a member of the Bank's Executive Team Andy served the dual roles of Chief Credit Officer – managing all aspects of lending and credit - and Bank Group Director, which included leadership of Avenue's retail branch network, business banking division, private banking division, and music & entertainment division. In February of 2015, Andy and team embarked on their first public company ‘road show' and successfully took Avenue Bank public on the Nasdaq Exchange (ticker symbol: AVNU). In July of 2016, Avenue Bank merged with Nashville based Pinnacle Financial Partners to form one of the Top 50 largest Banks in the United States. Andy joined the leadership team of Pinnacle following the merger and currently serves in the role of Executive Vice President, Director of Music, Sports, & Entertainment. In this role, Andy develops and manages $2B in entertainment related accounts with clients including artists, songwriters, international label and publishing businesses, touring, athletes, and professional sports franchises, among others. Outside of Banking, Andy is a founder and partner of the Music City Grand Prix, an IndyCar race televised in over 180 countries attracting over 100,000 fans each year. Other pursuits include film (Executive Producer - Murder at Yellowstone City) and early-stage company development and investment. Andy's community involvement and accolades include: Exchange Club Family Center, former Chairman of the Board; founding member of Nashville Emerging Leaders; Montgomery Bell Academy Alumni Board; M Street Entertainment Advisory Board; Leadership Music Class of 2014; Nashville Film Festival Music Committee; The Tennessean's “Next Up”; Nashville Business Journal's “40 under 40”; Billboard Magazine's 2020, 2021, and 2022 Nashville “Power Players”, Music Publishing “Dealmakers”, and 2022/2023 all-industry “Power 100” ranking the music industries 100 most powerful players; Tennessee Entertainment Commission Board (Governor Appointed); Pet Community Center Board; Nashville Entrepreneur Center Board.

Understanding our audience in a nuanced manner is critical before we begin to draft our words, create pitch perfect tone, and design our slides. In doing so, we vastly increase the likelihood of achieving the desired outcome of our communication, and avoid losing audience engagement. In this episode, we hear from the Chief Credit Officer of Sunflower Bank, Jennifer Norris. Brought to you by PREZENT.AI and Executive Producer, Rajat Mishra.  

The Transfiguration of Christ ... GUEST Father Tom Soroka ... pastor of St. Nicholas Orthodox Church, Mckees Rocks, PA. Women of Chaplaincy & Pastoral Care: a networking ministry that encourages and affirms women called to these vocations and related areas of ministry ... GUEST Chaplin Marcia Washington. Illness: How Can the Church Better Serve those suffering ... GUEST Dena Dyer ... Executive Assistant for Wheaton's Humanitarian Disaster Institute, and an author who lives with chronic pain & fatigue due to Hashimoto's and Fibromyalgia Location. Ten-Mile Valley Community Prayer Breakfast ... GUEST Patrick O'Brien ... Executive Vice President and Chief Credit Officer, Dollar Bank.See omnystudio.com/listener for privacy information.

How are fintechs managing economic headwinds and credit tightening? We talk with Ratinder Bedi, Chief Credit Officer at SoFi, about how his company is managing these challenges and how fintechs and traditional banks often differ in their approach. In this episode: ·      The biggest challenges facing SoFi this year·      How the restart of student loan refinancing may impact the fintech industry·      What's in SoFi's playbook for economic downturns·      Where SoFi wants to leverage generative AI in its business·      What the fintech industry is doing differently from traditional banks·      How fintechs and other industries are battling the rising tide of fraud  Resources: Fintech Solutions: Discover how our rich data, predictive analytics and cloud-native technologies can help fintechs successfully target and acquire more customers, mitigate fraud and make better business decisions. CreditForecast.com is a joint venture between Equifax and Moody's Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.  Register for Market Pulse webinars to get relevant economic and credit insights to help your business make more confident decisions. Learn more about our Market Pulse podcast, and contact us at marketpulsepodcast@equifax.com

Hear veteran risk manager, advisor and professor Clifford Rossi's perspective on recent turmoil in the banking system, on where risk management fell short, and the profession's readiness for future challenges. The collapse of Silicon Valley Bank (SVB) and subsequent events inevitably invited comparisons with past crises. It was widely assumed that the damages of 2023 would be more contained than those of the Great Financial Crisis of 2008. But they could similarly leave a long tail, with economic and regulatory repercussions well into the future. A clear parallel between 2008 and 2023 is the spotlight placed on risk management. In the intervening years, the risk function in banking and financial services grew in prestige and responsibility – and its failings were documented as having played a role in SVB's demise. Drawing from regulatory experience early in his career, to senior risk and credit positions at major financial institutions, to his current professorship at the University of Maryland, Cliff Rossi has lived through multiple crises while observing the effectiveness and evolution of risk management. GARP Risk Intelligence's CRO Outlook columnist, Rossi has been especially critical of boards of directors' risk governance, one of many timely subjects covered in his podcast conversation with GARP contributing editor Jeff Kutler. SPEAKER'S BIO Clifford Rossi (PhD) is an Executive-in-Residence and Professor of the Practice at the Robert H. Smith School of Business, University of Maryland. He is also the author of GARP's monthly “CRO Outlook” column. Prior to entering academia, Rossi had nearly 25 years of experience in banking and government, having held senior executive roles in risk management at several of the largest financial services companies. His most recent position was Managing Director and Chief Risk Officer for Citigroup's Consumer Lending Group, where he was responsible for overseeing the risk of a $300+B global portfolio of mortgage, home equity, student loans and auto loans with 700 employees under his direction. While there he was intimately involved in Citi's TARP and stress test activities. He also served as Chief Credit Officer at Washington Mutual (WaMu) and as Managing Director and Chief Risk Officer at Countrywide Bank. Previous to these assignments, Rossi held senior risk management positions at Freddie Mac and Fannie Mae. He started his career during the thrift crisis at the U.S. Treasury's Office of Domestic Finance and later at the Office of Thrift Supervision working on key policy issues affecting depositories. Rossi was also an adjunct professor in the Finance Department at the Robert H. Smith School of Business for eight years and has numerous academic and nonacademic articles on banking industry topics. Rossi is frequently quoted on financial policy issues in major newspapers and has appeared on such programs as C-SPAN's Washington Journal and CNN's Situation Room. His book for risk practitioners and graduate students, A Risk Professional's Survival Guide, was published in 2014 by John Wiley & Sons, Inc. His research interests are in financial and nonfinancial risk management, risk governance and analytics and climate risk.

Banking failures. Interest rate hikes. Market turmoil. Recent headlines are fueling anxiety around the economy. How are these fears seeping into the agricultural industry? In the latest episode of The Dairy Download, we're joined by two experts who map out the state of the ag economy.First up is John Newton, Chief Economist with the U.S. Senate Committee on Agriculture, Nutrition & Forestry. Farmers are facing increased expenses amid interest rate hikes and elevated input costs. What steps are lawmakers taking to ease the pressure? Will the new Farm Bill include any additional assistance? Newton discusses those topics and more.Next, we speak with Vince Bailey, Chief Credit Officer with Farm Credit Mid-America. Profits are always top of mind for producers and ag businesses. How are factors like land values, equipment costs and higher interest rates impacting bottom lines? Is recent turmoil impacting farmers' appetite for risk? Bailey sheds light on those issues and others.The episode is sponsored by Infor. "Infor provides dairy-specific cloud software that addresses catch weight, formula management, regulatory compliance, and delivery forecasting with full supply chain traceability. Find out how at infor.com/dairy."If your company is interested in sponsoring a block of episodes of The Dairy Download, contact IDFA's Melissa Lembke at mlembke@idfa.org.Questions or comments about the show? We want to hear from you. Send a note to dairydownload@idfa.org and your feedback could be included on a future episode.

Ted Jung is the Chief Credit Officer with Parkview Financial, which is headquartered in Los Angeles and he lives and breathes lending across a broad spectrum of commercial real estate transactions. Ted's background has prepared him well for this position, and he brings to his role 17 years of institutional life insurance and banking experience in the commercial real estate lending industry on a national platform where he has provided loan credit approvals in excess of $12 billion.He has extensive knowledge of underwriting and originating large loans for all major asset types with institutional sponsors across both primary and secondary markets throughout the U.S. His experience across the capital stack includes senior perm mortgages, mezzanine debt, construction loans, CTL's, and equity. Let's hear what he has to say about the state of the industry from his perspective.Welcome to the podcast, Ted.

In this episode we have another incredible subject matter expert from Freddie Mac, Terri Merlino. We have a conversation about risk management, specifically what Freddie Mac is actively doing to create affordable credit options for home buyers, how mortgage originators can use tools to create efficiency and productivity, as well as what a culture of risk awareness looks like.   Terri Merlino is Senior Vice-President & Chief Credit Officer for Freddie Mac's Single-Family Division. She leverages her broad-based knowledge of mortgage operations, sales, processing, underwriting, quality control and secondary marketing activities to substantially and positively impact Freddie Mac's mortgage credit risk management efforts, as well as our client experience.  Prior to Freddie Mac Terri held the roles of Chief Credit Officer and Chief Risk Officer at New Penn Financial and spent many years at PHH Mortgage as Senior Vice-President of Credit and Operational Risk, where she was responsible for fostering a risk-aware culture through her leadership of all aspects of credit and operational risk management.  Terri has served on several industry committees, including Fannie Mae's Risk Management Forum and Freddie Mac's Credit Advisory Board, and twice been named a HousingWire Women of Influence. She also holds a Bachelor of Business Administration in accounting from the University of Houston.  Connect with her on LinkedIn: https://www.linkedin.com/in/terrimerlino   Learn more: www.FreddieMac.com   If you are enjoying the MME podcast, please take a second and LEAVE US A REVIEW, and don't forget to connect with us on social media! 

Mike Luebbers is the Chief Credit Officer at Novel Capital. After discussing more traditional, highly underwritten loan types in the first episode, Ben and Mike explore Fintech loans and various debt products. These debt structures are a good fit for many early-stage businesses, often making them appealing to eCommerce founders. Understand all of your options (and how to actually secure them) by watching this episode!

Mike Luebbers is the Chief Credit Officer at Novel Capital. Novel's FinTech funding platform provides new options without the traditional barriers many B2B companies face today. Ben and Mike discuss the actions you should take to close your deal and maintain a great relationship with your lender. This episode is a must-listen for anyone seeking capital. Check it out!

A very special guest, Professor Sean P. Rozario, speaks with Sujata on the show. He has an MBA in Finance from Hartford University in addition to many more Masters certifications across the gamut of financial and credit disciplines. Professor Rozario harnessed his banking and finance experience of twenty-six years to align the People's Association Business Units to their organisation's Financial Audit Guidelines from 2016 to the present. His leadership skills are evident by the appointments he held in his career in the banking and finance industry. He was Head of Compliance for G&M World Invest and Associates, Chief Credit Officer for DHL International, Credit Manager for Diethelm Keller Siber Hegner (DKSH) among many more similar roles for AMEX, HSBC & Standard Chartered. Sean has been a "grassroots leader" for the past eighteen years. He has served as Chairman of the Inter Racial and Religious Community Circle (IRCC) and further represented the IRCC in several capacities. He seeks to influence and inspire Singaporeans through the arts and sports, deepen a sense of identity and belonging to the nation, strengthen community bonds, engage youths and promote volunteerism and philanthropy, to build a gracious and caring society. To that end, all the songs covered in this episode of Hangout with Sujata are ones that have been performed Professor Rozario himself either as the vocalist, pianist or both. Enjoy!

In today's episode of The Higher Standard, Chris shares insights he gained from his recent participation in a Chief Credit Officer symposium in New York. While there he was able to mingle with other Chief Credit Officers and share thoughts and ideas about the state of the economy. In this episode you'll discover: - Insights and discoveries he made during the symposium, not all of which he agrees with. - A fascinating television interview with Brian Moynihan, CEO of Bank of America. - Why household debt and consumer reports as of the first quarter of 2022 paint an intriguing picture. This is a show you do not want to miss! Join Chris for this fascinating conversation. Enjoy! What You'll Learn in this Show: Chris' insights from the symposium, as well as his own thoughts on those insights. Why Chris was less than happy with Bank of America CEO Brian Moynihan's television interview. The fascinating picture being painted by household debt and consumer reports as of Q1 2022. And so much more... Resources: https://blackcrowninc.com/ (Black Crown) https://www.instagram.com/chrisnaghibi/?hl=en (Instagram) https://www.facebook.com/ChrisMNaghibi/ (Facebook)

2022 started off with dire predictions for production Agriculture's financial outlook. But, by mid spring the picture was changing, and by early summer a very profitable year was being predicted. Is that still the case? Are farm balance sheets going to swell? Or will interest rates and inflationary pressure on inputs create losses? Tim Koch, Chief Credit Officer for Farm Credit Services of America provides guidance on what he sees across his company's $40 billion loan portfolio. Sponsored by Nori nori.com and Pattern Ag pattern.ag

We caught up today with Melissa Johnston, Co-Founder and Chief Credit Officer of EntreBank, a brand new community bank, located in the Twin Cities. When we last interviewed her, EntreBank did not have an official name yet and their founders were working through the approval process with the appropriate governing bodies, which she will tell you was quite grueling. But that was then, and this is now!EntreBank's focus on privately held companies has an approach that focuses on both internal and external factors. Internally, they have been very diligent about hiring can-do team members who aren't afraid to take on challenging projects and don't get shook up if things take a bad turn; they're wired to figure out a way to make it work and they're motivated to grow the bank and succeed as a team. Externally, EntreBank focuses on acquiring customers who are looking for a banking relationship; something they can't get with a big bank. Unfortunately, larger banks are not set up to work with small businesses who seek a true banking partner who can help them throughout their business life cycle. Melissa said getting to know the owners and their businesses is key to recognizing opportunities and pitfalls that could swing the business in one direction or the other. This company will be one to watch and one to consider working with if you are a Twin Cities owned small business looking to align with a bank who is  innovative, knowledgeable and has the products and services you need now and will need in the future. 

Investing in commercial real estate is a lucrative form of wealth creation, but only if you understand the rules involved. Ideally, what you need is the perspective of someone who deals in commercial real estate everyday - someone who can help you navigate the ins and outs of the industry. In today's episode of The Higher Standard, Chris provides some of that perspective. As a Chief Credit Officer for a bank, Chris can offer insights the public doesn't often have access to. You'll discover why buying and selling your home isn't sufficient to prepare you for commercial real estate investing. You'll learn about the Debt Service Coverage Ratio (DSCR) and the questions you need to be asking. You'll discover why the term "commercial real estate" is very broad, and why you need to understand the different asset classes and markets involved. You'll also learn how to select the right lender to speak to when financing your investments. Join Chris as he breaks down the three things you must understand before investing in commercial real estate. Enjoy! What You'll Learn in this Show: Why buying a home for yourself and investing in a commercial property are two very different processes.  The importance of understanding the Debt Service Coverage Ratio (DSCR). The differences between various asset classes when investing in commercial real estate. How to choose the right lender for your commercial real estate investment. And so much more... Resources: https://blackcrowninc.com/ (Black Crown) https://www.instagram.com/chrisnaghibi/?hl=en (Instagram) https://www.facebook.com/ChrisMNaghibi/ (Facebook)

Co-CEO and a Founder of ACORE Capital, Chris Tokarski joins Matt on this week's Leading Voices to talk about the CRE debt business in general and, specifically talk about the private debt providers, like ACORE, which have become a major part of the market, particularly in construction and transitional lending since the Global Financial Crisis. With approximately $17 billion of assets under management, ACORE is one of the largest private debt providers focused on commercial real estate, originating and managing first mortgages, B-notes, mezzanine debt, and preferred equity, deploying over $28 billion in more than 375 transactions since inception in 2015. Chris also talks about his early start in the business at Nomura—the then disrupter in the CRE finance business, meeting his current partners there and their path together at several firms before co-founding, and co-leading ACORE.Chris has over 25 years of experience in leadership roles with large, national lenders, including four years as Chief Credit Officer for Starwood Property Trust, and has served as an advisor on workouts and other financing solutions through multiple cycles. Chris has personally invested in commercial real estate throughout his career.The Commercial Observer has honored Chris in their annual listing ‘The 50 Most Important Figures of Commercial Real Estate Finance', ranking him in the top 15 for the past 5 years.Chris earned a B.A. degree from Brown University with a double concentration in Business Economics and Organizational Behavior and Management.

You may have heard the term going around the Internet: AirBnB arbitrage. It's a wildly popular economic strategy, often promoted as being an easy and lucrative way to cash in on the popularity of AirBnBs.  In today's episode, Chris shares his unique insight into this phenomenon - both what it is, and more importantly, what it isn't. You'll discover a bit about Chris' unique background and how it allows him to see the AirBnB arbitrage concept from multiple perspectives, revealing its all-too-real difficulties.  You'll learn how so-called experts online have portrayed the concept as being an easy and lucrative way to make income by subletting through AirBnB. You'll discover the limitations of AirBnB arbitrage, why it's restricted or even illegal in an increasing number of cities. Join Chris as he demystifies the concept of AirBnB arbitrage and its benefits and drawbacks. Enjoy! What You'll Learn in this Show: Why Chris' background as a lawyer, a real estate broker and Chief Credit Officer at a publicly-traded bank gives him a  unique perspective on AirBnB arbitrage. Why the concept of AirBnB arbitrage is not as simple (or as lucrative) as it's often portrayed by "experts" online. The limitations of AirBnB arbitrage, and why it may even be illegal where you live. And so much more... Resources: https://blackcrowninc.com/ (Black Crown) https://www.instagram.com/chrisnaghibi/?hl=en (Instagram) https://www.facebook.com/ChrisMNaghibi/ (Facebook)