Lending to Complex Borrowers

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

Why learn from Lenders Online Training?

The credit analysis training at Lenders Online Training was created by Linda Keith CPA. Linda and her husband were complex borrowers. Each owned their own business. Linda's was an S Corporation. Her husband was a general contractor. They are real estate investors.

Besides her personal, complex situation, Linda 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

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


I will recommend the course {for teams} because it will keep our approach to Global Cash Flow consistent.

Donald Volkman

Chief Credit Officer, MegaBank


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