Zach Zoia
Unlocking Valuable Strategic Lending Insights

Loans | ALCO | Interest Rates
Staying ahead of the competition means asking the right questions
The lending market these days can be likened to a popular fishing hole, with dozens and dozens of boats (i.e., banks and credit unions) all casting their lines into the same prime spots, resulting in intense competition (i.e., pricing pressures). Amid this highly charged environment, there are a number of common elements impacting lending strategy discussions, including:
Deployment of excess liquidity
Relative spreads versus absolute yields
Capacity for duration
The specter of recession (credit risk)
Usefulness of derivative and option pricing
Competition for lending talent