Lending to small business is expensive because of origination, underwriting, capital, and many related costs. Most banks lose money when they make a business loan below $250K. In some cases banks avoid making small loans, missing out on a relationship opportunity and providing an inroad for Fintech lenders. Other banks either do not understand their loan economics or accept their losses, relying on deposits and the sale of other services for relationship profitability, a risky approach.

This banking webinar focuses on highlighting the small loan problem and providing specific and practical near-term steps banks can take to turn losses into profits. As will be discussed, the solution involves addressing organizational issues, pricing opportunities, revisiting risk criteria, and, potentially, implementing selected technology. 


  • Charles Wendel

    Charles Wendel

    Financial Institutions Consulting / Founder & Owner

    Charles Wendel, the President of Financial Institutions Consulting (FIC), had extensive practical experience as a bank lender, relationship manager, and workout specialist before becoming a management consultant. Prior to founding FIC over 20 years ago, he was a Partner at Mercer Consulting and an Engagement Manager with McKinsey & Co., Inc. Wendel has consulted to money center and regional banks, insurers, and diversified financial services companies, both in the U.S. and 15 other countries. Wendel earned an M.B.A. in Finance and Marketing from Columbia University in addition to an M.A. and M.Phil. in English; he received his undergraduate degree from New York University.


1.0 CPE Credits & 1.2 AAP Credits