Tag

Today we bring back a longtime friend of the show, Jack Hubbard from St. Meyer & Hubbard. Jack has trained and coached over 80,000 bankers, helping them become “resource managers” (not simply “lenders”) for their clients. We talk about what it will take for lenders to be successful in 2025, plus several other topics. The…

Today we feature the replay from our October 1st webinar, Finishing 2024 Strong: Keys to Loan Pricing and Production. CLICK HERE TO DOWNLOAD THE WEBINAR SLIDES The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank,…

Today we sit down with Sim Cheema, one of our ARC Program specialists with SouthState. Sim talks about the current state of interest rates, credit, CRE lending, and how to help your borrowers navigate the current environment. VIEW AGENDA AND REGISTER FOR THE ELEVATE FORUM HERE. The views, information, or opinions expressed during this show…

Our article last week (HERE) discussed the “power of three” marketing rule and how to use it for loan proposals.  The rule states that human brains make better decisions when given a small selection of appropriate options but not too many to become confused. One or two options are usually insufficient, and five or more…

Today on the show, Caleb sits down with Sim Cheema to discuss the current state of commercial lending. Sim works with both our commercial lenders here at SouthState, as well as our correspondent community bank customers. She helps them serve their borrowers through ARC, our loan hedging program. To learn more about the ARC Program, click…

We review hundreds of term sheets and proposals for commercial borrowers each month.  One successful loan proposal tactic for community banks to improve their acceptance rate is to embrace the old marketing rule of the “power of three.”  We often see banks proposing one or two options for a commercial borrower, and often, the options…

Bankers need to consider the term structure of rates, also known as the yield curve shape, when structuring and pricing commercial loans to maximize return and reduce risk.  Many bankers and borrowers are convinced that a recession is imminent, but the current term structure of rates does not necessarily establish this conclusion.  The yield curve’s…

Today we sit down with Jack Hubbard, Managing Partner of The Modern Banker. With nearly 80,000 financial services professionals personally trained and coached, Jack is one of banking’s most sought-after facilitators. An author, classroom instructor, and thought leader, his expertise and out-of-the-box thinking put him in great demand when the subject matter is social selling…

Today we sit down with Ed Kofman, our Managing Director of Loan Hedging. We discuss trends in CRE and how to become a trusted advisor to your borrowers when it comes to refinancing strategies. GET YOUR FREE COPY OF OUR STRATEGIC REFINANCE EBOOK HERE The views, information, or opinions expressed during this show are solely…

This week on Pricing Loans in a Rising Rate, we sit back down with Ed Kofman to discuss his outlook for rates and why banks may need to put more floating rate loans on their books. Learn more about the ARC Program here: https://southstatecorrespondent.com/loan-hedging/ The views, information, or opinions expressed during this show are solely…

The Federal Reserve Open Market Committee (FOMC) has raised short-term interest rates by 3.00% in the six months between March and September.  The market is now forecasting an additional 1.25% in hikes by year’s end, with the next move coming on November 3rd.  Many borrowers and market participants have been surprised by the speed of…

Most financial institutions never see the actual cost of originating their products. To do so would require at least a rudimentary funds transfer pricing methodology, and many banks have not invested the time to derive a workable framework. Understanding a product’s cost structure is the first step towards accurate pricing and, more importantly, process improvement….