Скачать или смотреть Loan Participations - What a Community Banker Needs to Know

This video dives deep into the world of Loan Participations, a collaborative approach used by banks to fund large loans. We'll break it down simply:

What it is: Two or more banks team up, with one bank (the lead) selling a portion of the loan to another (the participant(s)).

Benefits for the Lead Bank:
Manage Risk: Spread exposure on potentially high-risk loans.
Stay Compliant: Stay within legal lending limits for a single borrower.
Boost Yield: Earn a servicing fee on top of the participating bank's interest rate.

Benefits for the Participating Bank:
Portfolio Diversification: Spread risk across a wider range of loans.
Increased Income: Earn interest on the loan participation.
Regulatory Compliance: May help meet lending requirements.

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