Commercial Loan Sales (Performing and Distressed)

Our take on the latest trending events:

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Commercial Loan Market Slows
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Banks Tighten Lending Standards for CRE Loans
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Commercial Real Estate Lending Declining
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CRE Over-Concentration Concerns: Loan Sale Solutions
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Commercial Loan Origination: Making Improvements
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Banks Reposition Their Commercial Loan Portfolios
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New Norm: Routine Selling of CRE Loans
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Commercial Real Estate and Small Banks: No More Mainstay
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Waning Demand for Commercial Loans
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CRM Bubble: Is It Real & What Does It Mean?
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Regulators Are Watching Banks With Large CRE Portfolios
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Banks Downsizing from the Business of Mortgages
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Lenders and the Small Business Loan Market
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Commercial Loan Portfolio: Banking Trends
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The gradual improvement of the economy makes it somewhat surprising that levels of bad loans remain above where they were before the Great Recession. And the rock-bottom interest rates that allowed bankers to keep carrying these loans funded with low-cost capital are about to end.
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When regulators from the Federal Reserve, Federal Deposit Insurance Corp. and Officer of the Comptroller of the Currency got into the same room with roughly 40 energy bankers, the sparks reportedly flew.
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A new report showed that commercial real estate portfolios are carrying their highest loan-to-value ratios since before the financial crisis.
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Big news to hit the real estate sector recently is real estate and rental marketplace Zillow's acquisition of dotloop, a digital transaction management firm. While this is exciting for members of the real estate industry, the pairing will actually have a more widespread impact.
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Across the country, nearly all banks make a significant portion of their income via fees, from overdraft fees to ATM surcharges and more. But, it doesn't have to be this way.
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Following the rash of recent economic reports from financial institutions, loan sales have emerged in the past several quarters as an important strategy to promote business growth and development.
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Customer loyalty is what a new startup - ZipCap - is banking on with its version of marketplace lending.
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The second-quarter reports for major financial institutions are in, and the results are mixed bag of good news, bad news and optimism.
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Banks Making More Commercial Loans to Businesses
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Overall, online lending has proven to be beneficial for a certain type of borrower, but investors should be aware of the risks involved.
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The banking sector has been benefiting from strong mergers and acquisitions activity, as economic conditions continue to improve and financial institutions look toward consolidation as a means of cutting costs, meeting capital requirements and even diversifying their businesses. 
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While they are frequently identified as being competitors of banks, marketplace lenders have asserted repeatedly that they want to work with these more traditional financial institutions. 
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Home Bancshares recently took an innovative approach to bolstering loan growth, buying nearly $300 million worth of national commercial real estate loans. The Conway, Arkansas-based bank was able to snap up this loan portfolio after Doral Bank's failure, purchasing it from private equity firm J.C. Flowers & Co. 
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Online lending marketplace Lendio recently raised more than $20 million through a funding round led by Napier Park Financial Partners. South Jordan, Utah-based Lendio, which uses innovative technology to connect small businesses with lenders, plans to use the money to enhance its relationships with lenders, invest in improving its online resources and expand its partnership program. 
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Many banks are making major changes as they take steps to comply with the liquidity coverage ratio, including selling off assets and running off deposits that do little to help them meet the requirement.
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The valuations of technology startups have been surging as hedge funds and mutual funds pour money into this space in an effort to profit from the next big thing. Many institutional investors have taken an interest in technology startups, hoping to select the right ones and then profit when they hold an initial public offering.
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Regional banks have been putting significant effort into either raising the threshold for being deemed systemically important - which currently stands at $50 billion - or scrapping the level completely. 
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Loan demand has been rising all over the nation, according to figures provided in the Federal Reserve's March Beige Book. The Fed report revealed that most regions have been enjoying promising economic conditions, and banking activity stood out as a strong point in many cases.
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Puerto Rico's banking industry has undergone some seismic shifts in the aftermath of Doral Bank's failure earlier this year. While this troubled bank entered receivership, several competitors benefited from the situation, bolstering their market share by snapping up its branch locations, loans, deposits and mortgage servicing rights.
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Sterling Bancorp, one of the largest lenders doing business in the payroll lending market, recently acquired Damian Services Corporation, which provides payroll-related services to staffing firms. By making this purchase, Sterling will grow its client base, expand its lending capacity and open up new possibilities to earn fees in specialty finance, according to American Banker.
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PacWest Bancorp recently announced an agreement to purchase Square 1 Financial, Inc., a lender that focuses primarily on the technology industry. Pursuant to this deal, Square 1 bank, owned by Square 1 Financial, will merge into Pacific Western Bank, a Los Angeles subsidiary of PacWest Bancorp.
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Pinnacle Bank recently purchased a minority stake in an online health care lender, and this strategic move should provide the Nashville-based bank with numerous benefits. Pinnacle Bank, a subsidiary of Pinnacle Financial Partners, Inc., made this move at a time when traditional banks are facing numerous headwinds and online lending has been experiencing impressive growth. Garnet Capital believes this is a positive trend and is helping other banks and lenders create partnerships.
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While small business lending fell sharply after the financial crisis, there are signs this crucial activity is gaining steam. This development presents banks with new opportunity, but they should know the market has changed significantly, and many non-bank lenders have sprung up to fill the higher demand for small business loans, according to American Banker. 
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America's millennials could potentially represent a huge market for alternative banking, according to the results of the most recent FICO survey. Financial institutions looking to stay abreast of the latest shifts in the rapidly changing banking industry might benefit substantially from gathering further detail on these customer preferences. 
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Consumer Financial Protection Bureau Director Richard Cordray took a minute to delve into some of the agency's current concerns, as well as the disagreements its staff are having. 
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Community banks need to either innovate or face extinction in the current environment, according to several industry participants who spoke at the American Bankers Association's National Conference for Community Bankers. 
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Regulators shut down Doral Bank on Friday, Feb. 27, after the financial institution faced a string of challenges including a dispute surrounding a tax refund, government investigations and sharp declines in stock prices. The Office of the Commissioner of Financial Institutions of Puerto Rico announced in a statement Friday that it had appointed the Federal Deposit Insurance Corporation receiver. 
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Federal Reserve Chair Janet Yellen testified before lawmakers on Tuesday, Feb. 24, providing greater clarity on the central bank's timeline for boosting benchmark interest rates. 
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Many banks have been focusing on deposits in the current environment, building up these resources instead of taking on additional credit risk. This approach reflects a more conservative stance, as financial institutions are unsure when the Federal Reserve will opt to push its benchmark interest rates higher. 
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Major banks, already facing a tough environment, have been encountering an additional headwind stemming from the dollar's sharp rally. The currency's recent appreciation, along with proposed capital guidelines, could make US banks seem bigger relative to their European counterparts. 
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Doral Financial's problems only seem to be getting worse. While the Puerto Rico-based holding company was able to improve its financial position late last year by attaining a legal victory, it has been encountering rising pressure from regulators, according to American Banker. 
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Mergers and acquisitions activity involving banks has been increasing, and this momentum has grown to include not only smaller banks in the U.S., but also midsize and international financial institutions. 
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Banks could run into challenges generating revenue growth as their ability to tap into loan-loss reserves deteriorates. 
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Lending Club recently announced a partnership with Alibaba Group whereby the peer-to-peer lender will provide small businesses with lines of credit for purchasing Chinese goods through the e-commerce giant's online marketplace. 
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BlackRock is planning to securitize loans purchased via internet origination channels. 
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New York Community Bancorp, Inc. has been generating many benefits by selling assets, keeping its balance sheet below the $50 billion mark and improving its financial results in the process. 
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The U.S. economy encountered some challenges during the fourth quarter, as weakness abroad and tepid business spending combined to limit fourth-quarter growth.
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The recent announcement that Los Angeles-based City National has agreed to be acquired by Royal Bank of Canada could be a game changer for other banks in the region, providing them with stronger opportunities to find clients or buyers.
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A handful of innovative banking startups have been working on creating lending algorithms that consider more than the traditional variables such as one's credit score. Amid this push, companies are developing risk evaluation methods that account for how much time an applicant spends reading terms and conditions or whether they only use capital letters when filling out forms, The New York Times reported.
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Banks are striving to generate loan growth amid stiff competition and low interest rates. At the same time, analysts and shareholders are pressuring these financial institutions to reign in their expenses where possible, according to American Banker.
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Many banks have been reporting falling interest income in the current environment of low rates and tight competition.
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Banks have had a hard time generating satisfactory earnings growth lately, and this difficulty could easily continue in 2015. Banks both large and small have suffered these challenges, as the major financial institutions and the regional ones have been reporting lackluster earnings so far this year. Legal costs and compressed loan margins are the major drags for the larger banks.  Community banks are also feeling the pinch in generating good quality assets.
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U.S. economic conditions continue to improve at a time when the nation is benefiting from increased growth, falling energy costs and sustained job creation.
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U.S. economic conditions have been steadily improving, and this development has helped bolster the performance of major banks such as Wells Fargo, whose executives have been rather vocal about how much faith they have in the nation's recovery. 
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The Swiss National Bank eliminated its cap on the euro-franc exchange rate Jan. 15, at a time when the global currency markets are experiencing sharp volatility and central banks across the world are using increasingly divergent monetary policy.
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While many U.S. consumers have been benefiting significantly from sharply dropping oil prices, they may find they have even more money in their pockets after the Federal Housing Administration's recent decision to reduce its annual premiums. 
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Fintech startup Larky has been taking an innovative approach with its mobile applications, marketing them directly to banks so they can be used to provide consumers with discounts and offers from local stores.
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The Consumer Financial Protection Bureau has been quite active in recent years, and there is no sign that this trend will stop in 2015.
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The banking industry is encountering various disruptive forces - including stiff regulations, the proliferation of online lending and innovative new lending activities - that bankers should monitor if they want to capitalize on existing opportunities.
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American Banker recently named marketplace lending its Innovation of the Year.
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Many banks have been encountering challenges in their efforts to originate high-quality loans, but have been taking steps to compensate for this situation.
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While some banks may feel challenged by their constantly-changing environment, the situation grants them an opportunity to better their reputation and stand out from the competition, two experts wrote recently in an American Banker opinion piece.
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The legal fees plaguing major banks continue to climb higher, and nobody knows when these financial institutions will get past these challenges.
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Sterling Bancorp and Hudson Valley Holding Corp. announced a definitive merger agreement on Nov. 5, which would create a larger combined entity catering to consumers and small - to medium-sized businesses in the New York metropolitan area.
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U.S. Bancorp CEO Richard Davis has been offering some fairly rosy views of the economy, predicting that growth will accelerate sharply next year.
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The revenue banks are generating from customer-account fees has dropped sharply, stemming from changes in consumer behavior and new regulations created to protect account holder interests.
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The Office of the Comptroller of the Currency recently published final risk management and governance guidelines for major financial institutions, giving them different expected timelines for compliance based on their size.
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The value of many assets around the world - including real estate, stocks and bonds - has been rising, and several market participants have warned they have grown inflated and approach bubble status.
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Commercial lending has improved steadily over the last several years, but this recovery has certainly encountered some obstacles along the way.
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Banks are on a mission to increase their loan income, and their desire to meet this objective has helped fuel mergers and acquisitions.
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Banks could generate more revenue by adding P2P originations to their branch originations, according to a study recently released by research firm Cognizant.
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Credit union lending ramped up in May and June, according to recent reports from the Credit Union National Association.
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Fledgling startup companies could one day dominate the banking industry, financial expert Richard Magrann-Wells wrote in a recent American Banker piece.
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JPMorgan Chase recently caused a stir by announcing that utilization rates for its commercial credit lines moved higher in the first half of this year.
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Bank mergers and acquisitions have surged lately, as the industry struggles to overcome numerous headwinds including a challenging compliance environment, higher capital requirements and the proliferation of alternative lending.
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New financial product structures are growing in availability, and a great deal of the finance industry's innovation centers around this trend, former Citigroup chief executive Vikram Pandit recently told American Banker. Amid this situation, Pandit highlighted a key opportunity.
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The Office of the Comptroller of the Currency recently took action to clarify best practices surrounding debt sales when it issued guidelines on Aug. 4.
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Concerned that traditional underwriting methods are leaving some would-be borrowers behind, peer-to-peer lender Upstart has responded by developing a unique process to vet credit applicants.
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Sam Hodges, the CEO of innovative P2P lender Funding Circle USA, recently sat down for an interview with writer David Gustin of Spend Matters Network.
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In a recent report, the Office of the Comptroller of the Currency warned banks about the credit risk that is steadily accumulating because of their willingness to provide loans easily.
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LendingClub Corp., the largest peer-to-peer lender in the U.S., has started preparing for an initial public offering, selecting major investment banks Morgan Stanley and Goldman Sachs Group Inc. to lead the sale, individuals familiar with the situation told The Financial Times.
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Many consumers have lackluster feelings about the economy or their household income, according to the results of a recent Fannie Mae poll.
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Younger people are more likely to consider alternative banking, according to the results of a recent Accenture survey.
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Regulators have been intensifying their scrutiny of banks, and more specifically the relationships these institutions have with their vendors.
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The Bank Director's 2014 Risk Practices Survey recently provided some insight into the risk management challenges that lending institutions are facing.
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The Federal Deposit Insurance Corp. recently released its Quarterly Banking Profile, and this report contained data indicating that loan origination could increase sharply in the near future.
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Lenders identified Consumer Financial Protection Bureau mandates as their single greatest compliance challenge in a recent QuestSoft survey.
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Commercial and multifamily mortgage loan originations fell during the first quarter, according to figures contained in a recent Mortgage Bankers Association report.
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Larger lenders have been approving a higher fraction of applications for small business loans, taking market share away from banks with a more modest scope.
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Commercial and industrial loan origination moved higher during the first quarter, according to Federal Reserve data.
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Americans have changed how they harness credit card debt, a financial consulting firm stated recently, and these new practices could potentially constrain loan sales by reducing the supply of available debt.
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New York City's economy keeps getting stronger, according to the recent improvement in many economic indicators.
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Several measures of consumer delinquency fell during the fourth quarter of last year, according to a survey conducted by the American Bankers Association.
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Jobless claims fell to a four-month low during the week that ended on March 22, according to figures from the U.S. Department of Labor.
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