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Lenders Online Credit Training

Complex borrowers pose a different sort of challenge. They include wealthy individuals, real estate developers and those owning multiple businesses.

Tax returns are voluminous and layered. For one loan you may be analyzing as many as ten tax returns, perhaps more.

More than other lenders, you need to be able to sift through the overwhelming amount of information to:
Pull qualifying income and spot red flags
Understand the borrower and have more meaningful conversations
Consider the requested loan and uncover more loan opportunities
Make a good decision and document the file


Complex Borrowers

Why learn from Linda Keith CPA

Linda and her husband are complex borrowers. Each own their business. Linda's is an S Corporation. Her husband was a general contractor. They are real estate investors.

Besides her personal, complex situation, Linda has worked with thousands of lenders at hundreds of financial institutions for over 25 years.
As a Certified Public Accountant, she has a practical understanding of the story behind the numbers.
As a Certified Speaking Professional, she can actually explain what she understands.
She was a commercial borrower over 20 years as CFO with a residential construction business.
Linda stayed with the same bank and knows how your bank can create 'sticky' customers.

What do bankers say

I’ve learned how to better interpret the numbers I see on tax returns, beyond just putting a number on a form. I feel more confident asking borrowers questions to get a better picture. Linda takes a complex subject, brings it to life and makes it interesting.

Cindy Hatch, Assistant Manager, Loan Center
Unitus Community CU

If I am ever stumped on a question in regards to cash flow, I am confident I can go to Linda and will receive an accurate, prompt and friendly response. She is a great resource to have.

Ryan Earl, Senior Credit Analyst
Heritage Bank

Which way do you prefer to learn?

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Interaction with each other and with Linda

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