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Fintechs are being more conservative when it comes to the types of borrowers they lend to in response to investor demands. With fintech lenders tightening up their standards, they're starting to look more like traditional banks.
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Many community banks have issued warnings about possible problem loans, which should prompt banks to get in front of potential problem assets while they still can.
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With the cycle coming to a close, lenders, fund managers, and investors are prepping for the next recession. And to do that, they are making efforts to reduce their exposure to distressed and delinquent assets.
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Corporate debt has now exceeded household debt for the first time in three decades, prompting lenders to take a closer look at their loan portfolios to ensure risky assets are sold off.
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The American consumer is strong today, thanks to wage growth, job confidence, and low interest rates. Banks are profiting from consumer lending growth, but commercial banks that wish to get into the market might find it difficult without the help of a seasoned loan sale advisor.
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Banks and credit unions are keeping a close eye on C&I loans as delinquencies and defaults increase, particularly in the energy sector. But once they become "criticized assets" these loans can still be sold into a robust loan-buying market to minimize the reporting of bad loans on financial institutions' balance sheets.
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Nonbank mortgage volume has overtaken traditional banks, with about half originated by nonbank lenders. This may be cause for concern should financial stress occur.
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The Madden v. Midland Funding ruling that took effect four years ago has been cause for concern for lenders, but the OCC's recent proposal may help banks bypass the ruling, which is good news for all secondary loan markets.
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