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The production process for commercial loans has remained stagnant for over 100 years.  And then, thanks to emerging technologies and the democratization of development, things changed.  New entrants such as nCino and Sageworks changed the landscape of loan originations forever, and the floodgates opened. My friends at PwC keep close tabs on that end of the market, and this article is based on their market intelligence and viewpoints. The current LAS state falls short on…

My friend Steven Martin from RMA is an insightful observer of our industry. When I shared the article below with him, this is what he wrote: Good Banks do well in every part of the cycle, but the best banks not only know what's fueling their profits, but know how to adjust as things change. And what never seems to go out of style is the blocking and tackling - such as full relationship banking…

My good friend Keith Noreika, The most courageous acting Comptroller of the Currency in recent memory, has recently joined a newly expanded consulting firm named Patomak Global Partners as the EVP and Chairman of the Banking Supervision and Regulatory Group.  His insights about our industry have always been valuable and well-informed.   In the exchange below Keith shared his views on a number of key issues our industry is dealing with as we speak. 1.  Headwinds…