Correspondent Blog
Tag: ARC
Why Fixed Rate Loans Are Essential For Bank Performance
Competition for quality commercial loans is intense, and currently, the majority of borrowers favor fixed-rate loans for as long as possible. We cannot blame borrowers for wanting to lock in financing costs at historically low index rates and low credit margins. After all, the real economic carrying cost for these loans after tax and after…
Use This Lending Tool For More Loans
Because competition is intense and every lender is looking for a competitive advantage, at SouthState Bank, we strive to develop lending tools to help our bankers win more loans. A better product, faster service, or insightful advice can translate into additional loans, better credit spreads, or additional fee income. In this article, we explore our…
How To Increase Loan Revenue by 20% While Decreasing Interest Rate Risk by 80%
At SouthState Bank, we are using a tested strategy to increase loan revenue by 20% and decrease interest rate risk by 80%. We are achieving this result on our better credit quality commercial loans without any gimmicks or confusion to the borrower. We have developed a technique and a loan structure to assist bankers who:…