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- How does Florida’s regulatory environment impact the local banking system? What impact do demographic shifts, including strong in-migration, have on the state’s financial services sector?
- What macroeconomic trends are poised to sustain growth in special assets? How does the opportunity set compare for banks of varying size and geographic reach?
- What is the economic and employment forecast for the Florida and the Southeast? Which growth opportunities are unique to this region?
- What degree of softening are you seeing in real estate, and how is that affecting how you underwrite loans, manage your portfolios and attract new business? What are your predictions for deal flow and default rates for the remainder of 2019 and early 2020? How is this informing your business strategy? What is the outlook for JV partners funding problem mortgages?
- What’s your outlook for household debt? What trends are you observing around subprime originations, and do you see any risks around growth in that space?
- What’s in your 2020 pipeline? What types of assets are you buying right now? What sectors present the best opportunities for long-term growth, and which are you avoiding?
- How do you source and evaluate deals? What kind of banks are the top sources of deal flow?
- How do you negotiate with banks of varying size and reach? Are you partnering with non-bank lenders? What unique challenges and opportunities does each type present?
- What are some recent successful deals you’ve handled, and what have you learned from deals that didn’t go as planned?
- Which asset classes are likely to see more workouts as the economic cycle matures? Which markets will see the most growth?
- What factors inform your decision to retain a turnaround expert for your workout? How do you vet prospective turnaround managers? What opportunities for turnaround managers are unique to Florida or the Southeast?
- What have you learned from recent successful and not-so-successful workouts?
- What should you do to prepare for litigation, before it becomes necessary? What strategies are most effective to accurately predict how much it will cost and how long it will take?
- What are the best and worst-case scenarios for litigation? How can you evaluate your prospective litigator?
- When does it make sense to explore non-litigious alternatives, and what are the options?
- When is it better to settle?
- Given Florida’s strong bank M&A activity, how are smaller banks warding off acquisition while growing their own books of business? Can we expect to see more JVs between regional banks and non-bank platforms? What are the regulatory hurdles associated with these vehicles?
- What are community banks, credit unions and regional banks doing to stay competitive throughout the Southeast?
- What strategies are credit unions using to attract new business? What marketing tactics have been effective at appealing to various customers?
- As a community bank, how do you control costs, define your niche and leverage technology? How are you managing deal flow?
- What are the legal requirements for filing an involuntary bankruptcy and pre-filing considerations that need be vetted to properly assess the risks and rewards of this seldom-used strategy?
- What are the lesser known tactics debtors may use to thwart an involuntary bankruptcy? What reputational issues could arise from a failed attempt, including potential sanctions?
- How can you best manage the creditor process? What methods are most effective at identifying and avoiding unintended consequences while the bankruptcy proceeding is pending?
- What are keys to success in receivership at this point in the cycle? What are the main differences in the receiver’s role by state?
- What’s your decision-making process for using a receiver? In which situations would you opt against using a receiver? How do you vet receiver candidates, as well as quantify their costs and benefits?
- When does it make more sense to explore ABCs vs. Bankruptcies vs. Article 9?
- What are some recent deals in which assets were put into receivership in Florida? For what asset types are receivership deals experiencing an uptick, and what might that indicate about the outlook for receivers in South Florida and throughout the state?
Mary Jo Heston
- When do auctions make sense? How do you select the right auctioneer, auction process and auction format to maximize profit?
- What obstacles have you encountered in realizing going concern value for operating borrowers, and how did you overcome them? What do you consider to be the most severe risks of auctions?
- How do you decide between a live vs. online auction? Which assets are better suited for each type of auction? When does it make sense to hire a receiver instead of holding an auction?
- How are relationship lending practices affecting the growth of C&I originations by smaller banks? How does this differ for large banks?
- What are the unique attributes and challenges of SBA loan workouts? How do these differ across larger 504, 7-A, and credit-scored loans?
- What criteria do you use to evaluate middle-market and startup businesses as candidates for loans? How does this checklist vary by size and reach of the bank? How are you integrating technology to better serve middle-market borrowers?
- What’s driving the uptick in SBA loan approvals, and which banks are leading the charge? What are the expectations of today’s small business borrowers impacting your origination process?
- How have banks changed their standards for C&I loans, and what does this mean for small and midsize firms? What trends are contributing to the uptick in non-conforming conventional C&I term loans?
- Given that many banks are improving the diversity of their personnel, have you seen an increase in the number of women? What about the number of women on the other side of the table, representing the borrowers?
- Has the increase in the number of women in banking and in Special Assets made it easier to get the job done? Any other changes resulting from the increased diversity?
- How do you anticipate the roles of bank relationship managers and credit officers will change as the special assets sector matures?
Mary Jo Heston
- To what extent are banks overlooking sources of liquidity, and does this carry the potential to materially affect how they execute right of offset and direct notification to a business’ customers?
- How often are you finding that customers have the capacity to stay in business despite any action the bank takes?
- What measures are you taking to assess the reliability of the financial statements you receive?
- What methods are you using to track a borrower or guarantor’s cash reserves? What should your executive board be looking for to achieve a successful right of offset?
- What skills and credentials should senior credit and risk officers have, and how are their roles changing? How does the roles of differ at large, national banks, as compared to smaller regional and community banks and credit unions?
- What are the key elements of the training process for in-house credit risk officers? How do you measure performance?
- What tools do you use to understand your exposure to credit risk? What controls have you added to manage risk? How do you prioritize processes as part of your overall credit risk management strategy?
- What underwriting risks have emerged this year, and how will they impact your bank in the long term?
- How are you addressing cyber risk, fraud and other external threats to your bank?
- Which processes used by FinTech firms and non-traditional lenders are applicable within your bank?
- What are banks doing to address diversity and inclusion among chief and other senior-level risk officers?
- What are some of the more surprising trends that could impact the special assets sector?
- How do expect climate trends to impact Florida’s financial services industry?
- What impact will the protracted economic recovery have on the growth of special assets over the next several quarters?
- Which markets will be most vulnerable in a downturn, in Florida and across the U.S.? Which will be the beneficiaries of slower economic growth?
- As more assets move from special assets to OREO, which property types and submarkets are showing the most opportunity?
- If 2020 does not bring a recession, in what year will it occur, and how will it compare to the most recent downturn?
- How have you adjusted your business strategy in response to slowing economic growth, peak asset values and intense competition for credit?
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Euromoney Institutional Investor PLC (“Euromoney”, “we”, “us” or “our”) is an international business-information group covering asset management, price discovery, data and market intelligence, and banking and finance. The group also runs an extensive portfolio of events for the telecoms, financial and commodities markets.
For a full list of our brands and group companies, please click on this link. Euromoney and its group companies are committed to respecting the privacy of every person who visits, registers with or subscribes to our websites, publications, events and other products or services.
Euromoney is the primary data controller of personal data collected through this website or that we may collect in different ways as described in this Privacy Notice. If you are contacted by our other group companies, they will also be controllers of your personal data. This means that they are responsible for how your personal data is used, just as we are. You may contact any of these companies directly, or you can contact Euromoney by emailing email@example.com or writing to the Data Protection Officer at Euromoney Institutional Investor PLC, 8 Bouverie Street, London EC4Y 8AX, United Kingdom.
This Privacy Notice was updated on 23 May 2018
This Privacy Notice outlines the information we may collect about you in relation to your use of our products and services (“personal data”). It also explains the legal rights that you have in relation to your data and how you may exercise these rights.
Some of our group companies may collect and use personal data for different purposes; those companies have their own websites and privacy notices.
We will process your data for the following lawful purposes: with your consent; to fulfil our obligations to you; and where there is a legitimate interest to do so.
When possible, we rely on your consent to use your data for the purposes described in this Privacy Notice. We also process personal data to fulfil our contractual obligations to you, for example, when you register for any of our services, subscribe to a publication, sign-up for an event or purchase a product from us, we will need to process some of your personal data. This will also include details of the person/people responsible for payment (if different).
We may determine that processing your personal data serves both of our legitimate interests. This is the case in relation to many of our research, customer survey, sales, marketing and advertising activities described in this Privacy Notice. These activities allow us to better understand your requirements, which in turn enables us to provide you with a better service. We review the bases for our processing decisions carefully and you can object to these activities at any time (see the “Your Rights” section of this Privacy Notice).
Our primary goal in collecting personal data from you is to give you a relevant customised experience of our products and services.
Registration, Free Trials & Subscriptions
When you register with our website and/or sign up for a free trial of our products or services, we may ask you to provide your name, address, email address and telephone number, and details relevant to your occupation or employer.
If you subscribe to one of our products or services, we will also ask for payment details. Credit/debit card payments are processed using a third party supplier and we do not retain the credit card data (see the Third Party Sites of this Privacy Notice). Address details may be shared with third party service providers engaged by us for order fulfilment, delivery and payment collection. This personal data is used by us to complete subscription requests.
Events & Conferences
If you have registered for an event through a group website we may collect personal data including: name, job title, company, address, telephone number and email.
This information is necessary so that we can complete your registration for the event and provide you with relevant event materials.
We may also provide delegate details (e.g. name, email) to event sponsors who, subject to your consent, may contact you for their own advertising and marketing purposes.
Advertising & Marketing
We use the personal data you provide us and which we collect from you to inform you about similar products and services which we provide. We may send you marketing communications that are sponsored by our partners and which are targeted to your interests based on information you have provided us such as job title, employer and/or industry. If you have consented to receive information from other Euromoney group companies, we may share your personal data with these companies so that they can fulfil your request to receive marketing materials in accordance with your preferences. We will not share your personal data with any third parties for their own marketing purposes unless you have provided your consent.
Each of the Euromoney group companies that may contact you is a data controller in relation to the personal data that you have agreed to share with them. If you have any questions or concerns, you may contact the individual company, or us – using the contact details set out in the “Who We Are” section.
You can opt out from receiving such materials at any time.
The personal data we may use for advertising and marketing purposes includes your name, email address, job title, phone number, company name/employer, geo location, postal address and data collected using cookies and other similar technology (Please read our separate Cookies Policy to find out more about which cookies we use, how they work and how you can control your cookie options).
Marketing materials are sent electronically, by post and we may occasionally call you.
Online Targeted Advertising
We use targeted advertising on our websites to display advertisements that are relevant to what we believe are your interests. In order to deliver relevant advertisements, we use third parties to deliver cookies that collect information about your IP address and how you interact with our sites (e.g. browsing information, which articles you have read etc.). This data is used by the third parties to determine which advertisements may be of interest to you.
We may also share your personal data with third parties to deliver targeted advertising to you on other websites (e.g. Twitter Tailored Audiences or Facebook Custom Audiences). This could include your email address, cookie data, and information obtained from third parties. Third party cookies may also be used to enable us to target advertisements to you on other websites that you visit.
Lead Generation and Scoring
We occasionally use the services of trusted third parties in order to ensure that the personal data we use for advertising and marketing purposes is accurate and up-to-date. To do this, we transfer personal data of individual leads (such as name, email, job title, location and phone number) to these third parties who conduct research to verify the data – primarily against public information.
We also use algorithmic software technology to help us improve the quality and relevance of marketing activities. The personal data analysed by the software includes email address, phone number, job title, address, purchase history and account information. This allows us to provide meaningful offers that are relevant to your specific profile.
Surveys, Market Research & Customer Feedback
We want to understand the needs of our readers and customers. We may therefore use the information you provide us – including your name and contact details – to contact you to request your feedback, or to participate in our customer and market research.
Public forums, message boards and blogs
Some of the pages on our group websites may include message boards, blogs or other facilities for generating content from users. Any information that is disclosed in these areas becomes public information and you should always be careful when deciding to post any personal data. User generated content is also subject to our site Terms & Conditions.
Business or Asset Sale
If we sell a business or assets we may need to disclose your personal data to the prospective buyer of such business or assets.
If Euromoney, or any of our group companies is sold or sells our assets or is acquired by a third party, then personal data about our customers will be acquired by that third party. A transfer of your personal data in these circumstances would be necessary so that the services you have contracted for can still be delivered, or so that you can continue to enjoy the benefits of our free products and services. You will receive notice if a new controller assumes responsibility for your personal data.
Additional Third Party Disclosures
We may disclose your personal data to other third parties in the following situations:
- To third party partners who help us by providing services such as technology, marketing, advisory or other services. These third parties only receive encrypted data and may only process personal data to provide those services to us.
- Where we are required by law or regulation to do so. In each case we will seek, where practicable, to minimise the amount of data that is disclosed.
- If required to protect the rights and interests of other users and/or Euromoney and its affiliates (including our employees, agents and contractors), or as otherwise set out in our Terms & Conditions. This may include exchanging information with other companies and organisations for the purposes of fraud protection.
We may include small pixel tags (small image files) within the emails we send you in order to determine whether our emails are opened and/or whether the hyperlinks inside our emails are clicked through. We may also collect browser, location and the device used to engage with our email communications. This information allows us to better understand whether we are meeting our users’ needs and how we can improve our communications. No other information is collected. You can opt out of receiving our direct marketing emails either by following the instructions in each email, or by contacting us (see the “Who We Are” section of this Privacy Notice).
Some of the Euromoney group companies are based outside the European Economic Area (EEA). If you have consented to being contacted by our group companies, then the transfer of your personal data will be made according to the terms of an international data sharing agreement that contains obligations approved by European data protection regulators. Any of our group companies that receive your personal data will be co-controllers of that data, which means they may determine how they process your personal data – although they may only use it for the purposes for which it was shared, unless you are informed of new or additional processing activities.
We may also transfer personal data to third party service providers as described in this Privacy Notice which are located outside the EEA. Where we conduct these transfers, we take all steps necessary to ensure that your data is treated securely and in accordance with applicable privacy legislation, either by only sending your personal data to jurisdictions that provide an adequate degree of legal protection for your data or by imposing approved contractual terms on these third parties.
We have a data retention policy that ensures we don’t use or store your personal data for longer than necessary. We consider the following issues to determine retention periods:
- Guidance from the UK Information Commissioner or other regulatory agency, or industry best practice recommendations;
- The business rationale for collection and expiry of the purpose for which personal data was collected;
- Our ongoing ability to ensure the accuracy of the data; and
- Legal and regulatory requirements.
We may occasionally need to keep personal data for either shorter or longer periods than specified in our retention policy. In such circumstances, application of the retention period to the data will be temporarily suspended. The suspension of an applicable retention period will be carried out in a manner that respects the rights and interests of all persons concerned.
You can use our Preference Centre to select the topics that are of interest to you so that we can send you publications and information about our products and services that are especially relevant to you. You can also choose the channels we use to contact you (email, phone, post, etc.) and can also opt-out of receiving marketing communications.
You have certain rights in relation to your personal data which include the following:
Access & Portability
You may request access to any personal data of yours for which Euromoney is responsible as controller. Unless there are legal or regulatory reasons for not doing so, we will confirm whether we process any of your personal data and if we do, we will provide you with the following information: the purposes of the processing, the categories of personal data, any recipients of your personal data, the applicable retention period and the data source. Copies of your personal data will be made available to you in a structured, machine-readable format.
You may also request that we transfer the personal data that you have submitted to us, to another controller, where it is technically feasible for us to do so.
If you have consented to our processing of your personal data, or if we are processing your personal data in order to fulfil our contractual obligations to you, then you can submit a request that we transfer your personal data to another data controller.
Rectification, Restriction, Objection
You have the right to request that Euromoney rectify any errors in the personal data that we process. In some circumstances, you may also be able to ask for the erasure of personal data, and/or request that the processing of your personal data be restricted. You may also object to the processing of your personal data for sales or marketing purposes.
How to Exercise Your Rights
To exercise any of these rights, please contact us by post or email at the following addresses:
Euromoney Institutional Investor PLC
8 Bouverie Street
London, EC4Y 8AX
Web form: Complete Subject Data Request Form
We may need to check your identity prior to processing a request.
Euromoney will do our best to respond to any questions and address any of your concerns. You are also able to register any complaints regarding the processing of your personal data directly with the UK Information Commissioner.
Euromoney is committed to keeping your personal data secure and we will take appropriate technical and organisational measures to protect your personal data from loss, unauthorised use, disclosure or destruction. Although we do our best to protect your personal data, we cannot guarantee that any transmission of data is without risk. We have therefore implemented information security policies and rules, staff training on information security, and technical measures to ensure the integrity of data that we have under our control.
All our employees, contractors and data processors (i.e. those third parties that process personal data on our behalf) are required to keep such data confidential and not to use it for any purpose other than the performance of services we have requested.
Our site may contain links to other websites – including, for example, providers of payment processing services. Euromoney is not responsible for the privacy and data collection practices of third party sites and we therefore recommend that you review the privacy policies and terms of service of each site you visit.
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