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Navigating the Credit Crisis

What borrowers and lenders should know and do


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In today’s uncertain economic environment and credit market’s turbulence, while corporate earnings have shown signs of improvement and loan default rates have declined, the combination of a growing U.S. deficit, continued high unemployment and a gloomy commercial real estate landscape have placed the nation’s economy on uncertain ground.

Under the increasingly tight overview of regulators, stressed banks continue to de-lever in order to improve their capital ratios. Add to this atmosphere of varying credit demand, the current sovereign debt crisis in Europe and a political backdrop of banking system reform; and it is increasingly clear that the credit markets are in for a continued bumpy ride, at least in the near term.

In such an evolving lending landscape, it is important for borrowers as well as lenders to stay in tune with the changing dynamics of the capital markets. With challenges appearing to outweigh opportunities, it can be difficult for borrowers and lenders to remain positive. However, both sides of the industry should be able to successfully navigate the credit crisis if they can demonstrate credibility, care and creativity.

This is a fascinating point in economic history wherein the entire debt life cycle — origination, portfolio management and exit — may need to be re-examined by both borrowers and lenders for potential risks and opportunities. While most of the near-term forecasts are forbidding, there is cause for hope, as many financial services professionals believe that the capital markets will continue to open up through 2010.

This report examines the growing realities of today’s evolving lending landscape and provides insight into what lenders and borrowers must do to navigate the ongoing credit crisis.

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