Shows
Love Him Love Them with Linda GunterFrom Tragedy to Purpose, A Ministry is Born – Linda Gunter’s Story with Host Jennifer PeterkinJoin us as we change chairs and enjoy Jennifer Peterkin, podcaster and host of The Human Experience (www.TheHXPod.com), interview our very own Linda Gunter! The story of the Love Him Love Them ministry was born out of the tragedy of a double murder, whereby Linda and her husband David found themselves taking in five children, with the youngest just 5 years old. Those children just so happened to be Haitian, motivating Linda’s announcement in 2011 that in lieu of Christmas presents, their family would travel on mission to Haiti. What they saw, smelled, and experienced was devastating, and ye...2025-07-151h 01Love Him Love Them with Linda GunterFaithful Until the End, Persevering in Love with Linda BowenJoin us as Linda Bowen shares her heartfelt story of losing her husband of 63 years, with whom she was together since she was 14. Despite praying for his salvation for 21 years, she never gave up, and her persistence paid off on New Year's Day in 1999. Now, with her husband having passed away on January 22, 2025, Linda testifies to God's faithfulness and encourages women facing similar challenges. She advises them to persevere, love their spouses unconditionally, and continue serving the Lord with kindness and love, even in difficult circumstances. By sharing her story Linda offers a message of hope and encouragement, reminding...2025-06-1028 minLove Him Love Them with Linda GunterNora Keith: Experiences Serving Others With Love Him Love ThemLinda sits down with Nora Keith, a LHLT volunteer since the day she was born, to ask her about her experiences serving with LHLT and a good piece of advice about how best to love people like Jesus.
Visit our link tree to see what all we have going on and how you can get involved. Linktree: https://linktr.ee/lhlt
Contact: linda@lovehimlovethem.org
#lhlt #lovehimelovethem #mwml #miracleswithmommylinda #miracles #advice #service #servingothers #love #loveothers2024-03-1410 min
About A GirlENCORE: Linda Keith & Jimi HendrixLinda Keith was so determined to make Jimi Hendrix a star that she dumped Keith Richards. She got Hendrix a manager and a record deal, but then felt compelled to let him go, even if he was never able to really let go of her.Sources:'How I helped to make Jimi Hendrix a rock'n'roll star'Jimi Hendrix: Electric Gypsy by Harry ShapiroFor behind the scenes info and news on this episode, follow:Instagram:@DoubleElvis @Aboutagirlpod @Nikkilynette Twitter: @DoubleElvisFm @NikkilynettePinterest: @doubleelvisfm Fa...2023-12-0843 minLove Him Love Them with Linda GunterSaved by Grace: The Incredible Story of How God Protected Linda’s Family from an Active ShooterLinda’s daughter is miraculously protected from the schemes of the enemy due to Linda’s obedience to the Lord’s leading. Thank you, Lord, for your divine protection!
Visit our link tree to see what all we have going on and how you can get involved. Linktree: https://linktr.ee/lhlt
Contact: linda@lovehimlovethem.org
#Miracles #Signs #Supernatural #Wonder #Christian #FearofLord #Haiti #LoveHimLoveThem #Ohio #Fearless #CountyFair #Fair #Dinner #ActiveShooter #Protection2023-12-0709 minLove Him Love Them with Linda GunterFrom Dream to Reality: How Meeting a Movie Producer in Myrtle Beach Changed Linda's Life and Love Him Love ThemThe Lord sets up a divine appointment for David and Linda Gunter. After meeting a producer in Myrtle Beach Love Him Love Them has the chance to embark on a new project that the Gunters have been praying years for.
Visit our link tree to see what all we have going on and how you can get involved. Linktree: https://linktr.ee/lhlt
Contact: linda@lovehimlovethem.org
#Miracles #LoveHimLoveThem #signs #Supernatural #MyrtleBeach #MovieProducer #MiraclesWithMommyLinda #Christian #Haiti #Demonic #Seers #WhiteHouse #Movie #Gospel #ScriptWriters #DominionTV #ChoirOfAngels2023-11-0909 minLove Him Love Them with Linda GunterTransformative Encounter: Linda Prays with a Stranger to Overcome Addiction to CigarettesMommy Linda shares a miraculous story of a stranger receiving freedom from the bondage of addiction. Listeners are encouraged to be bold in the faith when praying for non-believers. Visit our link tree to see what all we have going on and how you can get involved. Linktree: https://linktr.ee/lhlt
Contact: linda@lovehimlovethem.org
#LoveHimLoveThem #Miracles #Addiction #Cigarettes #USPS #Prayer #Faith #Boldness #Signs #Wonders2023-10-0510 min
Getting Lit with Linda - The Canadian Literature PodcastAnd this is how we get here - Keith Barker's This is How We Got HereLinda speaks with Métis playwright, actor, and director, Keith Barker about his play, This is How We Got Here (Playwrights Canada Press) It is a moving interview, as Barker explains the origins and shape of this play.Their discussions touch on the following subjects (among others!):current and past productions of the play (3.00; 28.15; 34.10, 36.00)loss and trauma (1.14, 1.50, 4.30, 6.10, 12.56, 19.20, 33.58)structure of This is How We Got Here (1.20, 22.28, 23.25)representations of grief (3.50, 25.08)structure and shape of the play (5.48, 9.05)fox figure (10.04, 17.01, 18.58, 20.45, 25.10, 33.00, 36.00)play’s epigraph (from Jonathan Livingston Seagull, 10.30, 13.16, 15.40)discussion of suicide (11.51, 21.40)figures from nature (17.58)Catholicism (20.45)meaning of the title of the...2023-10-0141 min
Coparent Academy Podcast#71 - What is a Guardian ad Litem? - a Conversation with Keith Jones - Part 1Let us hear from you!This week we begin a two-episode conversation with attorney and Guardian ad Litem Keith Jones. Keith has nearly 30 years' experience as an attorney and Guardian ad Litem and was kind enough to share his experience and expertise with us. This week's episode is an introduction to the concept of a Guardian ad Litem, including what one is, when one is appointed, how they conduct their investigation, and how they are paid. In next week's episode, we conclude our conversation with Keith as we discuss the Guardian ad Litem...2023-07-3145 min
Linda's Corner: Inspiration for a Better LifePeace and happiness within - Keith Kristich (faith based)Keith Kristich explains how to access the true source of happiness and joy within us by recognizing our oneness with God. Keith is the founder of the community “Closer than Breath.” You can learn more about Keith at his website https://closerthanbreath.com.Some of the highlights Keith shares:God isn't "out there" - he's actually within usHow to find the true source of happiness and peace (hint: it's already within us)Happiness and peace are "two sides of the same coin" - peace is happiness at rest and happiness is peace in motionMeditation is like going...2023-06-2026 minLove Him Love Them with Linda GunterIn The Middle Of The Storm - Miracles With Mommy LindaWhat do you do when your plans are completely destroyed and you are left stranded with no resources? You trust God to provide, of course! Linda tells the story of being rescued from a dire situation while touring with the children's choir.
Visit our link tree to see what all we have going on and how you can get involved.
Linktree: https://linktr.ee/lhlt
Contact: linda@lovehimlovethem.org
#truth #teaching #miracles #healing #wisdom #bible #supernatural #prayer #answertoprayer #storm #rescue2022-11-0310 minLove Him Love Them with Linda GunterWalking To Be Baptized - Miracles With Mommy LindaThe ability to walk is something that many of us take for granted. What would it be like to live without this ability for your whole life, but gain that ability through a series of miracles? Linda tells Aicha's story of doing just that!
Visit our link tree to see what all we have going on and how you can get involved.
Linktree: https://linktr.ee/lhlt
Contact: linda@lovehimlovethem.org
#truth #teaching #miracles #healing #wisdom #bible #supernatural #prayer #answertoprayer #walking2022-10-2709 minLove Him Love Them with Linda GunterJosey's Attitude Adjustment - Miracles With Mommy LindaThe root of problems and issues that we or our loved ones experience are not always what they seem. Linda tells the story of a young lady with a serious attitude problem and how she was set free from that bondage.
Visit our link tree to see what all we have going on and how you can get involved.
Linktree: https://linktr.ee/lhlt
Contact: linda@lovehimlovethem.org
#truth #teaching #miracles #healing #wisdom #bible #supernatural #prayer #answertoprayer #attitude #stake2022-10-2009 minLove Him Love Them with Linda GunterHit And Run! - Miracles With Mommy LindaCan a hit and run incident be an answer to prayer for someone's benefit? Linda tells a story that is definitely out of the ordinary and shows how God works in our lives for our ultimate benefit, even if it doesn't look like it in the moment.
Visit our link tree to see what all we have going on and how you can get involved.
Linktree: https://linktr.ee/lhlt
Contact: linda@lovehimlovethem.org
#truth #teaching #miracles #healing #wisdom #bible #supernatural #prayer #answertoprayer #miracleswithmommylinda2022-10-1309 min
Love Him Love Them with Linda GunterMiracles With Mommy Linda - The CarLinda tells the story of a woman who experienced supernatural provision.2022-07-0407 min
North East Streaming SportsTGI Sports Talk with Keith Engle College HuddleKeith Engle Knows his College Sports Like no one else give a listn2022-06-301h 29North East Streaming SportsTGI Sports Talk with Keith Engle Stream of ConsciousnessKeith brings all the sports into the balance with his viewers driving the show2022-06-292h 00Love Him Love Them with Linda GunterMiracles With Mommy Linda - Blind Eyes OpenedLinda tells the story of a woman who was blind in one eye and received her sight back in that eye.2022-06-2707 minNorth East Streaming SportsTGI Sports Talk with Keith Engle R U SeriousKeith and the Mad New Yorker do battle on opinions in Sports2022-06-2359 minNorth East Streaming SportsTGI Sports Talk with Keith EngleKeith brings you Stream of Consciousness with great guests - viewer participation and thought-provoking analysis 2022-06-231h 57Love Him Love Them with Linda GunterMiracles With Mommy Linda - Raped At 16Linda tells the story of a woman who was raped at the age of 16 and how God provided truth, healing, and peace from the right person at the right time.2022-06-2007 minLove Him Love Them with Linda GunterMiracles With Mommy Linda - Susie's LupusLinda tells the story of Susie's lupus diagnosis and healing.2022-06-1306 minNorth East Streaming SportsTGI Sports Talk with Keith EngleKeith and his co host Mad New Yorker Carlos - R U kidding me2022-06-1159 minNorth East Streaming SportsTGI Sports Talk with Keith Engle College HuddleIf you love college sports, you'll love this show - Keith covers college sports like no one else2022-06-111h 28Love Him Love Them with Linda GunterMiracles With Mommy Linda - Jane's InfectionLinda tells the story of a friend who was very sick.2022-06-0607 minNorth East Streaming SportsTGI Sports Talk with Keith Engle College HuddleMac McGrath joins Keith with a Radical Idea about college football and basketball - now professional with NIL, portal and agents - NCAA draft?2022-06-051h 30Love Him Love Them with Linda GunterMiracles With Mommy Linda - Keshawns KidneyLinda tells the story of a kidney being provided right on time.2022-05-3006 minNorth East Streaming SportsTGI Sports Talk with Keith EngleKeith and The Mad New Yorker discuss the biggest topics in sports.2022-05-2859 minLove Him Love Them with Linda GunterMiracles With Mommy Linda - Maria's BabyLinda tells the story of Maria being blessed with a child after years of not being able to get pregnant.2022-05-2306 minLove Him Love Them with Linda GunterMiracles With Mommy Linda - Voodoo RequestLinda tells the story of a random request about a voodoo spell she received and how God used it to save someone.2022-05-1606 minNorth East Streaming SportsTGI Sports Talk with Keith EngleR U Serious - Keith with the Mad New Yorker2022-05-141h 00North East Streaming SportsTGI Sports Talk with Keith EngleSunday Show - Keith brings you all the sports news and information2022-05-091h 01North East Streaming SportsTGI Sports Talk with Keith Engle College HuddleNo one covers College Sports like Keith Engle give him a listen 2022-05-091h 29Love Him Love Them with Linda GunterMiracles With Mommy Linda - Lisa's Mother's LegLinda tells the story of Holy Spirit healing a woman in Haiti who was dying of sepsis and internal colon blockages.2022-05-0906 minLove Him Love Them with Linda GunterMiracles With Mommy Linda - Redaphca's EarsLinda tells the story of God's provision to help Redaphca.2022-05-0307 minLove Him Love Them with Linda GunterMiracles With Mommy Linda - Aicha WalksLinda tells the story of meeting an amazing young lady who was unable to walk.2022-04-2606 minLove Him Love Them with Linda GunterMiracles With Mommy Linda - Gang Roads OpeningLinda tells the story of God opening closed roads in Haiti to allow orphans to get the food and medicine they needed.2022-04-1907 minLove Him Love Them with Linda GunterMiracles With Mommy Linda - Ambulance DriverIn this first episode of a series titled "Miracles With Mommy Linda," Linda recounts the amazing story of one of our ambulance drivers in Haiti.2022-04-1205 min
TBA Now!Meet Linda Matchan: Her Gift of Storytelling Continues to Inspire and Create ChangeMany of you know the name of fellow TBA congregant Linda Matchan from her work as a feature writer at the Boston Globe. In addition to her thoughtful writing for the Globe, and now associate editor at the Jewish Journal, there is so much more to her story. Hear about her role in researching the Catholic church abuse scandal and working with the screenwriters of the film Spotlight. Learn about her newfound passion of making documentary films and how the devastating diagnosis of her husband’s ALS illness inspired her to write about a plethora of topics such as th...2022-04-0446 minNorth East Streaming SportsTGI Sports Talk with Keith EngleTGI Sports Talk with Keith Engle RU-Serious co-hosted with The Mad New Yorker Carlos Chavez2022-03-0559 minNorth East Streaming SportsTGI Sports Talk with Keith Engle College HuddleKeith Brings you all the College Basketball updates2022-02-241h 36North East Streaming SportsTGI Sports Talk with Keith EngleTGI Sports with Keith Engle with your College Football Huddle2022-02-071h 26North East Streaming SportsTGI Sports Talk with Keith EngleR-U Serious with host Keith Engle and co-host The Mad New Yorker Carlos Chavez2022-01-2959 minNorth East Streaming SportsTGI Sports Talk with Keith EngleKeith Engle with your college football huddle.2022-01-271h 29North East Streaming SportsTGI Sports Talk with Keith EngleSunday Stream of Consciousness with Keith Engle2022-01-241h 57North East Streaming SportsTGI Sports Talk with Keith EngleTGI Sports Talk with Keith Engle and Co-host- The Mad New Yorker 2022-01-0859 minNorth East Streaming SportsTGI Sports Talk with Keith EngleTGI Sports Talk with Keith Engle with your College Football Huddle.2022-01-081h 29North East Streaming SportsTGI Sports Talk with Keith EngleR-U Serious with Keith Engle and Co-Host The Mad New Yorker Carlos Chavez2022-01-0159 minNorth East Streaming SportsTGI Sports Talk with Keith EngleKeith Engle with your College Football Huddle2021-12-301h 26North East Streaming SportsTGI Sports Talk with Keith EngleKeith Engle your host for College Football Huddle2021-12-111h 30North East Streaming SportsTGI Sports Talk with Keith EngleR U SERIOUS with Keith Engle and co-host The Mad New Yorker Carlos Chavez2021-12-111h 00North East Streaming SportsTGI Sports Talk with Keith EngleJoin Keith Engle for his College Football Huddle!2021-12-021h 33
Credit Risk ReadyRisk Appetite: The Battle between Lending & Credit (and how both can win) | Ancin CooleyLending and Credit have a different outlook on risk. Sometimes it seems like a battle. And yet, both groups need a volume of performing loans to carry the day. Today we'll look at how risk appetite, usually a purview of the Board of Directors and Management, impacts the loan originators as well. And how they can work together to help each other get everyone to the finish line. Resources: Synergy Credit Union Consulting: https://syncuc.com Synergy Bank Consulting: https://synbc.com YouTube: https://www.youtube.com/c...2021-09-1631 minCredit Risk ReadyCredit Risk Review in (and Out of) a Pandemic Recession | Ancin CooleyLoan review is always an important risk management function. Some would say it becomes more important in turbulent times. I would say that good loan review practices even when we are on easy street, set the stage for successfully weathering the turbulence. Today we will focus on the loan review function, and how the pandemic might, or might not, impact it. Resources: Synergy Credit Union Consulting: https://syncuc.com Synergy Bank Consulting: https://synbc.com YouTube: https://www.youtube.com/channel/UC_dkqDh0BVb2aWXZi7DQ0xQ Linkedin: www...2021-08-2632 minCredit Risk Ready#41: Prudent Pandemic Loan Concessions: How Will the Regulators See It? How Can We Prepare? | Ancin CooleyHow are the regulators approaching examinations with 2020 in the rear-view mirror? Is it the same or different than past examinations? And how will it change as we start into a recovery? We cover why you need to: Create criteria for pandemic-related modifications and show they are followed Document current conditions and the basis for deciding the problem is short-term Show the regulators how the sausage is made in loan decision-making Resources: Synergy Credit Union Consulting: https://syncuc.com Synergy Bank Consulting: https://synbc.com 2021-08-1226 min
Credit Risk ReadyPushing Out of Your Comfort Zone: How to Master Difficult Conversations in a Virtual Meeting | Allison ShapiraYou need to: reach out to your borrowers, in tough times and in triumph. present your ideas to your mentor lender, or the loan committee, in a way that accomplishes your goals and advances your career. connect with a prospective borrower and pull them in to your client base. Many people find those situations challenging and uncomfortable. In this episode, Allison Shapira, will move you into your comfort zone when using the virtual format to have a challenging conversation. Resources: YouTube: Allison Sh...2021-07-2922 min
Credit Risk ReadySales and Marketing: Strategy Questions to Help (and Assess) Your Business Borrowers | Joel BlockSuccess in business is dependent on success in sales and marketing. In this episode we will tackle three key strategies successful businesses employ. If you lend to businesses or business owners, understanding these keys to success will lead to more helpful relationship-building conversations and an improved ability to assess the likelihood of their continued success. Bonus, you can use these ideas in your sales activities, as well. Resources: Winners take the Inside Track. Here's the Intel you need to join them... The Business Trend Report for 2021...2021-07-1523 minCredit Risk ReadyHigher Expectations in Virtual Meetings: Are You Ready? | Allison ShapiraAs we get 'back to work', expectations for polish and impact in virtual meetings will go up. The casual, lowered expectations during the recession will be replaced by an assumption that you are back in a completely professional mode. You need to reach out to your borrowers, in tough times and in triumph. You need to present your ideas to your mentor lender, or the loan committee, in a way that accomplishes your goals and advances your career. You need to connect with a prospective borrower and pull them in to your client...2021-06-2425 min
Credit Risk ReadyFuturenomics: The Snapshot You Need to See Today | Mary C. KellyThe economy is in freefall, or chugging right along, or recovering...depending on who you listen to, who you are and what business you are in. Perhaps today's news headlines have your stomach in knots. In this episode, we'll focus on how to decide what indicators should be in your snapshot to keep you centered on your borrower's needs. Resources: Book: Who Comes Next? Leadership Succession Planning Made Easy Website: www.ProductiveLeaders.com/2021Success About Mary C. Kelly: From her days as a naval int...2021-06-1016 min
Credit Risk ReadyGauges the Board and Management Should Be Watching While Emerging From the Recession | Tim HarringtonAs we emerge from the Global Pandemic Recession, the Board and Management have critical indicators to watch closely. Some of them are the usual, some of them are specific to recovery from a recession. Some of them will worry the regulators. In this episode, we'll discuss what to keep an eye on as we emerge from the recession. Resources: Book: A Credit Union Guide to Strategic Governance: https://forteamresources.com/products/books/ Book: Eisenhower on Enlighted Leadership: https://forteamresources.com/products/books/ Blog: https...2021-05-2716 min
Learning From Life with Linda Sage and GuestsLearning from Life with Linda Sage #37 Keith FentonLearning from Life with my amazing guest Keith Fenton, originally from the South East of England now devoted to life in Leeds. Keith has had many life learning journeys, not just to living in other countries and learning other languages, but to re-evaluating what is good for him. Taking on new challenges later in life Keith joined ELFM about 16 months ago, he has developed as a broadcaster, writer, and poet. It is never too late to try something new.2021-05-1434 min
Credit Risk ReadyHow 'Invisible Capital' Helps Your Business Borrowers Succeed | Joel BlockLearn what our most successful business clients are (or should be) considering now to solidify their successful transition ...or to recover ... from the challenges of the pandemic recession. We focus on what our guest calls 'invisible capital', how we think about, innovate and align our business. Here are the three we have time for today: Consider (and reward) contrarian thinking Test your ideas in the marketplace to get feedback Specialize, and then partner with others who specialize in other areas Resources: Winners take the Inside T...2021-05-1324 min
Credit Risk ReadyLeadership Succession Planning for Business and Banking | Mary C. KellyHow does the lender recognize that a business is (or should be) in leadership succession mode? How long before the owner plans to exit should they start this process? What are the steps? How has the pandemic recession upended their plans? Resources: Book: Who Comes Next? Leadership Succession Planning Made Easy Website: www.ProductiveLeaders.com/2021Success About Mary C. Kelly: From her days as a naval intelligence officer to her role as one of today’s most influential economists, Commander/Dr. Mary C. Kelly has c...2021-04-2919 min
Credit Risk ReadyRisk Appetite: How the Board Decides, Defines, and Communicates Their Choice | Tim HarringtonRisk appetite is a responsibility of both the Board of Directors and of Management. How exactly does it get decided, defined and communicated? How do Directors and Management insure they are in sync? And how do they decide it is time to intelligently adjust the 'diet'? Resources: Book: A Credit Union Guide to Strategic Governance: https://forteamresources.com/products/books/ Book: Eisenhower on Enlighted Leadership: https://forteamresources.com/products/books/ Blog: https://forteamresources.com/tims-blog/ Lenders’ Tax Analyzer Software: https://forteamr...2021-04-1520 min
Credit Risk ReadyBusiness Know-How: Key Strategy Questions for Your Business Borrowers | Joel BlockIn this episode, we are going to learn what our most successful business clients are (or should be) considering now to solidify their successful transition — or to recover — from the challenges of the pandemic recession. We'll provide you the Key Strategy Questions that will unlock the insights to 'getting it right' in this ever-changing and increasingly complex business environment. Resources: Winners take the Inside Track. Here's the Intel you need to join them... The Business Trend Report for 2021 Podcast: Profit From the Inside: Straight Talk on Business and Profits With...2021-04-0122 minCredit Risk ReadyThe Six Stages of Crisis: Where Is Your Borrower Stuck?| Mary C. KellyIn this episode, we will help you identify a borrower in crisis. Do they know they are in crisis? What stage are they in? Where are they stuck? How can you help them get unstuck? You can use this diagnostic approach for loan prospects as well. And if a prospect is stuck in Stage 1 or 2, perhaps this is not the best time to bring them into your bank or credit union. Resources: Book: Five Minutes Per Week: 52 Weeks to a Better Business Website: www.ProductiveLeaders.com/2021Success ...2021-03-1817 min
Credit Risk ReadyFocus on Finance: Key Strategy Questions for your Business Borrowers | Joel BlockWhat are (or should) our most successful business clients be considering now to solidify their successful transition ...or to recover ... from the challenges of the pandemic recession. In this episode, we provide you three Key Strategy Questions that will unlock insights to 'getting it right' when it comes to financial opportunities in this recession. Use these questions in your conversations with your business borrowers and prospects to understand their plans as they are moving forward and, perhaps, to help them by giving them food for thought. Resources: Winners take the Inside T...2021-03-0419 min
Credit Risk ReadyProspecting in THIS Recession? Turn Uncertainty Into Your Competitive Advantage | Meridith Elliott PowellEvery recession has it's own signature challenges. And in every recession, some business and, some banks, come out even stronger than they went in. Others recover more quickly. The difference, often, is the mindset of the people responsible for growth and development. And in a community financial institution, that is everyone in the lending and credit department. In this episode, we will focus on a strategy that works for you in reaching out to your clients and prospects and growing your loan portfolio, even in THIS recession. You may know of prospects who were so happy with...2021-02-0421 min
Credit Risk ReadyThe Coronavirus Pandemic Credit Conversation: How to Reach Out | Meridith Elliott Powell NowIn this episode, we key in on what we are calling the 'pandemic credit conversation'. This is the time to step forward and call your borrowers. But what do you say? How do you start the conversation without seeming callous, given that they (and you) may have personal setbacks from the Coronavirus or the economic fallout? Learn how to shift to service-focus for a better outcome for your customer and for you. Resources: FREE Tools & Resources for Your Business in Times of Crisis: https://meridithelliottpowell.com/emerge-successful/ About Me...2021-01-2121 min
Credit Risk ReadyThe Third 'R' Of Triage Outcomes: Remove Yourself From the Lending Relationship When the Borrower Is Unlikely to Recover | Michael WearNo one wants to give up on a borrower. These folks fully intended to repay their debt. They are grieving the loss of their business and, in their minds, perhaps the loss of their dignity. And yet, sometimes, it is in the best interest of the bank...and truly also in the best interest of the borrower...that we unwind the lending relationship. Resources: LinkedIn: https://www.linkedin.com/in/michael-wear-crc-853b9828/ Commercial Lending Alternative Financing pdf: https://lindakeithcpa.com/wp-content/uploads/2020/10/Credit-Risk-Ready-Michael-Wear-Alternative-Financing.pdf About Michael Wear:2021-01-0718 min
Credit Risk ReadyBanking and Lending to Women Entrepreneurs: Busting the Myths | Kathleen Burns KingsburyIn this episode, we focus on banking and lending to women entrepreneurs. We will shatter three myths which are getting in the way of your success in benefiting, and benefiting from, women who own their own business. Understand the assumptions you may be making and how to overcome them. Resources: Websites: KBKWealthConnection.com (advisor-facing) BreakingMoneySilence.com (consumer-facing) Podcast: podcast.breakingmoneysilence.com Breaking Money Silence Learning Lab Negotiation Course Coupon Code 10% off: Negotiate10 This course, designed by Kathleen Burns Kingsbury, makes a great client gift. Show your women entrepreneurial clients that...2020-12-1717 min
Credit Risk ReadyDirector Duty of Care in a Major Credit Disruption | Kevin SmithIn this episode, Kevin Smith of Team Resources walks us through the steps a Director must take to step up to their duty of care. The risk profile may be changing rapidly. As a Director, you may have a need for more information that is digestible and tailored to your needs, and you may need to include information from outside your normal channels. Learn the three questions you should be asking your CEO right now and why, in this environment, no question is a 'rookie' question. Resources: The TEAM Resources Guide t...2020-12-0329 min
MusesLinda KeithContinuing with our tribute to the women who loved Jimi Hendrix, this week we discuss 60’s model and Swinging London socialite Linda Keith and the portrayal of their relationship in the 2013 film Jimi: All Is By My SideDaughter of the longest British radio presenter Alan Keith, Linda’s passion for music and her talent for spotting true talent was simply in her blood. Working as a model at the age of 17, she met Rolling Stones guitarist Keith Richards and the two became each others first loves.It was while she was visiting Keith on tour in Amer...2020-12-0340 min
The Writers VoiceEpisode 27: Michael C. KeithAuthor Michael C. Keith talks with me about his perspectives on writing nonfiction, memoirs, and short stories.2020-11-2516 min
Credit Risk ReadyWhy Is It So Hard to Talk About Racism? | Justin Jones-FosuWhy and when do we have to talk about race? Why might we want to? Why is it so hard? Listen in on a conversation between two friends, Justin who is black and Linda who is white, about why it is so hard to talk about race and how to do it anyway. Resources: workmeaningful.com 7 Mini-Episode Everyday Diversity Series: https://www.youtube.com/playlist?list=PL9h5x9BCeJ0mBvbN-eOXCvJWIVbu2nf_G Free Implicit Bias Test: https://implicit.harvard.edu/implicit/takeatest.html 2020-11-1920 min
Credit Risk ReadyCRE Forbearance: The New 'F' Word in Banking. What About 'J'? | Gina MarottaForbearance is a true test for the puzzle-makers among us. Done wrong, you will set your borrower and your bank up for disappointment. Forbearance done right requires: Educating your borrowers on forbearance The role of 'Sources and Uses of Funds' to select a reasonable restructure How an unreasonable forbearance will harm the bank as much as the borrower Don't forget tax and insurance payments Add a 'relationship' review to your analysis Three questions to ask the borrower every time Recorded in July 2020, the advice continues...2020-11-1227 min
Credit Risk ReadyThe Second 'R' of Triage Outcomes: Restructure When Your Borrower Needs Help to Recover | Michael WearHow do we decide restructure is the best option, or even a viable option, to keep the relationship and protect our loan portfolio? Consider capital position, liquidity, and current liabilities Understand what the borrowers are facing such as supply chain issues Re-balance the long-term liabilities when they previously used short-term money for long-term purposes Consider the fair market value of depreciated assets When the restructure is needed to improve loan monitoring Resources: LinkedIn: https://www.linkedin.com/in/michael-wear-crc-853b9828/...2020-11-0520 min
Credit Risk ReadyThe Pandemic Reality: How to Talk to Borrowers Who Are Stressed, Worried, and Fearful | Kathleen Burns KingsburyIn this episode, we get into the emotional side of lending and credit when talking with borrowers who are in financial distress. This may be a business owner or a personal borrower who is accustomed to strength and resilience. When they find themselves in a financial challenge, and face being unable to keep their promises to their bank and their banker, the conversation takes a very different turn. With action items for both the front-line lending professional and the lending manager, learn how to prepare for the conversations and what resources to have at the ready. 2020-10-2920 min
Credit Risk ReadyCRE Valuation and Appraisals: Who, When, and What Else | Gina MarottaValuation and appraisals are a critical element in understanding your risk in CRE, either when making the loan or reviewing one already on your books. We'll cover Who to use for appraisals How we define an unstabilized property and how to factor it in How to spot a disconnect in your final result Specific questions to ask a local broker When broker opinion of value may be more relevant than the updated valuation from an appraiser What about the borrower's opinion of value ...2020-10-2216 min
Credit Risk ReadyHow the Director Role Must Shift in Times of Crisis | Kevin SmithWe dive into the shifting role of the director during times of crisis. Specifically, we will focus on how to redraw the governance lines without getting into the weeds and throwing off the CEO. And we'll touch on how quickly things are moving compared to pre-recession and how you can keep up. The role of the Chair in teeing up critical conversations The three questions the board should ask the CEO How frequency and depth of needed information is changing Plan to conduct an after-recession review to improve board function in...2020-10-1530 min
Credit Risk ReadyI Am Not Biased, or Am I? | Justin Jones-FosuToday's topic is Bias...your bias. Okay, and my bias. Confirmation bias is well understood in credit analysis, jumping to conclusions too quickly just because revenue is up...or down. But bias can rear its head in many areas. In this episode we share sobering, recent studies on racial bias in lending, why intentions can cloud judgment, language to use if you, as a manager, need to ‘call out’ bias in direct reports, and how to use the ‘six-month challenge’ to change your own thinking. About Justin Jones-Fosu: Justin Jones-Fosu, MBA, CSP is a full-t...2020-10-0817 min
Credit Risk ReadyThe First 'R' of Triage Outcomes: Rehabilitate When Your Borrower Is Expected to Recover | Michael WearThe concept of loan triage for problem loans is a hot topic during the pandemic-induced recession. In this episode, we will zero in on one result of the triage...Rehabilitate. The borrower is expected to recover without restructure. How do we recognize a problem loan that can be placed into rehab, what does the conversation sound like, and what tools do we have to help? About Michael Wear: Mike Wear is owner of 39 Acres Corporation, specializing in banker training and bank consulting services in credit risk underwriting and loan portfolio risk management. Less lecture—real bu...2020-10-0125 min
Credit Risk ReadyHow to Engage & Get Buy-in With Couples and Multi-Owner Borrowers | Kathleen Burns KingsburyIn this episode, we consider how to create relationships and engage all parties to your financial services. This applies to a couple, business partners, or even parents and their adult children in business together. Learn how to build a relationship with all parties to improve your service and preserve the continuing relationship. About Kathleen Burns Kingsbury: A wealth psychology expert, founder of KBK Wealth Connection, host of the Breaking Money Silence podcast, and an internationally published author and speaker. Breaking Money Silence: How to Shatter Money Taboos, Talk Openly about Finances, and Live a Ric...2020-09-2418 min
Credit Risk ReadyRegulators and the Pandemic Recession: Guidance with flexibility? | Rob NewberryIn this episode, we focus on the regulators. What will they expect in order to demonstrate we are making 'prudent' judgments and identifying which borrowers or prospective borrowers are experiencing a 'short-term' setback rather than a complete melt-down? And what else are they paying attention to...and helping us with? How can we document our thinking and show the examiners our prudent steps to mitigate risk during this downturn? About Rob Newberry: Rob Newberry has over 20 years of experience in the financial services industry including 15 years at Wells Fargo in strategic and leadership roles. He is a Senior Ad...2020-09-1715 min
Credit Risk ReadyThe Pandemic Recession: How to Shift Your Bank Strategy (Or Not) | Paula King CPAHow should bank strategy shift in the challenging pandemic landscape? Have boards and leadership gotten complacent during the best of times? And what changes are opportunity-focused rather than just challenge-focused? Understand strategy versus tactics Plan for growth even as you protect the bank Revisit your risk appetite and consider taking on more risk About Paula King: Paula King, CPA, is Senior Advisor for Abrigo Advisory Services, part of a team of subject matter experts assisting financial institutions nationwide in the interpretation and application of Current Expected Credit Loss (CECL), credit processes, policies and procedures, and model validations. Paula has held exe...2020-09-1017 min
Credit Risk ReadyThe Silver Lining: Opportunities in Reopening and Recovery | Bill ConerlyThrough helpful questions and an understanding of the opportunities that do exist, lenders can help business borrowers with their reopening strategy and, as importantly, to take off the blinders and see opportunities. Bill shares the balanced view successful business owners need to maintain now. We'll cover opportunities including retaining best employees, buying inventory inexpensively, earning customers from competitors, even buying a competitor. About Bill Conerly: Bill has a Ph.D. in economics and over 30 years applying economics to business challenges. He worked for First Interstate Bank rising to the level of Senior Vice President and has h...2020-09-0318 min
Credit Risk ReadyAvoiding the Drivers of CRE Default: 10 Lessons Learned From Banks That Failed | Gina MarottaTo understand the CRE drivers of default, where better to look than banks that failed in the Great Recession. We’ll run through ten recommendations from a CRE expert who went behind the scenes in banks slated for failure by the FDIC to (re)value their CRE portfolios. Topics discussed in this episode: 2:45 The difference between due diligence and underwriting 3:58 Understand the leases 4:28 Why a lease abstractor? 6:08 When not to use the broker package 8:44 What about rollover spikes in cash expenditures? 11:08 Drivers of value: occupancy, rent, rollover costs 11:34 What properties do the guarantors still own? 2020-08-2715 min
Credit Risk ReadyAwareness and Action Spurred by #BlackLivesMatter | Laurie StewartBanking has a role to play in pushing back against systemic racism. As law enforcement and health care communities work on overcoming racial bias and disparity, Laurie challenges those of us in banking with some ideas and suggestions to do our part. Topics discussed in this episode: 3:09 Understand that it's broken. 4:35 We have to be a little harder on ourselves. 7:43 Confirmation bias in lending and credit 10:27 Redlining and historical racism in lending 11:30 Redlining or lack of understanding? 13:03 A conversation of equals 14:12 Having the hard conversations in a safe environment 16:23 Recognize it is going to be hard, and then in...2020-08-2020 min
Credit Risk ReadyLoan Coding, CECL, and the Pandemic: Oh My! | Paula King CPADive into some of the details in loan coding, CECL and how they both are impacted by the pandemic. Segments are getting more granular, stress-testing needs a different approach, and qualitative analysis is murkier than ever. Topics discussed in this episode: 3:48 Significant changes in segmenting 6:18 Don't get too crazy with your segments 6:48 The difference between segments for CECL vs stress testing 8:32 Changes in CECL segments, forecast and qualitative analysis 9:30 The length of the forecast horizon 10:20 Documentation for CECL 12:50 Farm lenders are not getting a pass in this recession 14:08 Qualitative Adjustments 17:05 What can you rely on? About Paula King: Paula King, CPA, i...2020-08-1319 min
Credit Risk ReadyA Practical View of Regulatory Guidance and Prudent Lending | Laurie StewartIn this episode, we zero in on the regulatory environment and the guidance regulatory agencies are providing as we have to move fast to try to protect our borrowers and our bank. Are we confident or cautious as we work with our borrowers, communities, and the regulators? Topics discussed in this episode: 1:26 Bankers assessment of the regulatory environment in the last recession 2:01 Responsiveness of regulators this time 4:20 Hope is not a strategy 6:20 Customers for life 7:38 Relationship with the regulators 9:15 Credit Risk Ready Survey 10:35 Regulators and banks want the same thing About Laurie Stewart: Laura Lee...2020-08-0612 min
Credit Risk ReadyBottoms up Stress Testing: How Front Line Lenders Can Reassess Current Loans | Rob NewberryWe will focus on loan level stress testing with an understanding of pay vs save strategies, a variation of the matrix approach, questions to ask, and how to unwind if you have to. How to answer the question: does this borrower have enough fuel to stay in the air or enough runway if they have to land? Topics discussed in this episode: 2:54 Pay strategies versus Save strategies 5:05 Are you comfortable extending the runway? 6:19 A matrix approach, but different 8:38 Dual loan grading system, then and now 11:00 How the write-up should change 12:20 Questions to ask the borrower 15:48 How has the customer helped the...2020-07-3020 min
Credit Risk ReadyCredit Risk Focus as We Head Into the Recession: A Practical Approach | Laurie StewartIn this episode, Laurie Stewart will share what she is hearing from other Bank CEOs around the country as to what now, and what next, to mitigate credit risk as we head into the pandemic-related recession. Fall back to the basics and pivot as needed as we grapple with a credit disruption unlike any in our experience. Topics discussed in this episode: 1:27 None of us have lived through a pandemic before 2:30 The speed to remediate is much different this time 3:52 The regulators are helping 5:17 A leap of faith with the SBA and PPP 6:01 The risk decision is different for every bank...2020-07-2315 min
Credit Risk ReadyThe PPP Mad Dash Continues: Forgiveness FAQs | Paula King CPAThe PPP loan program was rolled out and implemented in haste, without the guidance that bankers generally rely on. As we build this airplane in mid-flight, Paula King CPA will give us actionable insight, including how to avoid lender liability and the bright spot in simplifying the forgiveness application process. Topics discussed in this episode: 1:45 PPP is a moving target. 4:17 Issues with eligibility even past the forgiveness process 6:26 Document your thinking 8:05 Trustworthy source for up-to-date info on eligibility and forgiveness 9:32 Can apply for forgiveness up to maturity date 11:03 Why-applications for PPP forgiveness may be spread out 11:26 Form 3508-EZ will sim...2020-07-1623 min
Credit Risk ReadyPortfolio Stress Testing as the Economy Worsens | Rob NewberryWe are zeroing in on stress testing at the portfolio level as the country melts down into the pandemic recession. Consider if you need to up your game, increase stress testing frequency, and better understand how this recession is the same, but different. Rob explains why a 'Reverse' stress test should be your first step and what to do next. Topics discussed in this episode: 2:25 We should be prepared for this pandemic 5:42 A reverse stress test: What and why? 6:34 Dive deeper to segment your analysis 9:52 Frequency of stress testing in this environment 11:54 Understand your concentration risk 14:20 Lower your...2020-07-0918 min
Credit Risk ReadyA Business Path Through the Recession | Bill ConerlyPractical steps a business owner should consider to plan, to respond quickly and to move forward through the recession. A four-plan approach to conquering the fear and moving forward. Thought-provoking questions the banker can ask to help your business borrowers move in the right direction. And are you ready for the questions the business might plan to ask you? Topics discussed in this episode: 1:14 The first step is to understand the business. 2:45 We've got a shell-shocked leader and I want to see worst case. 3:32 It is not so important to get...2020-06-2519 min
Credit Risk ReadyThe Square Root Recession | Bill ConerlyNot a V, not a U, not a W. Economist Dr. Bill Conerly predicts a square root. When economists vary in their predicted drop in GDP from 57% drop to an 8% drop, learn what Bill is watching to predict the next phase as circumstances change. Topics discussed in this episode: 2:37 The shape of the recession 4:59 Incomes are actually high 9:08 Uncertainty in economic forecasts 12:05 Maybe the owner doesn’t have their heart in it. 13:12 This is a time for reevaluation 14:34 The banker does not need to know the answers About Bill Conerly: Bill has a Ph.D. in economics and over 30 years appl...2020-06-1817 min
Credit Risk ReadyFirst Steps from CRE Triage to Performing Loan | Rick ChessIn the triage process, you will identify CRE loans that might be in jeopardy but can be saved. In this episode, we key in on your first steps to keep a troubled deal in the performing loan column. Topics discussed in this episode: 4:39 Start with what stays the same 5:27 You are transforming the relationship 8:04 You can learn things from talking to your borrowers that you never learned in college 11:04 Ethical flirting. How to capture their attention 12:56 An alternative use of space 14:14 Widen focus from survival to opportunity 18:25 It feels really good to be in play right now. About Rick Chess: ...2020-06-0819 min
Credit Risk ReadyCRE Triage as we Dip into the Recession | Rick ChessSome commercial real estate deals can be saved as we enter the recession caused by the global coronavirus pandemic. Some deals cannot be saved. What questions should lending and credit professionals ask, and who should ask them, to determine whether a deal is in trouble, or will be. Topics discussed in this episode: 3:29 Information bankers cannot access now 7:29 Restrictions based on the CRE deal structure 12:07 Get on the phone 14:35 What should scare the lender? 19:12 Who should make the call? 20:33 An opening the borrower will appreciate About Rick Chess: Rick Chess guides individuals and organizations through triage, transformation and triumph!...2020-06-0122 min
Keith Price's Curtain CallAnn Hampton Callaway gives Feinstein's 54 Below the world premiere of her Linda Ronstadt show.It is always joy when I get the chance to sit and talk to multi award winning, singer/songwriter/composer, Ann Hampton Callaway.
She returns to Feinstein's 54 Below to have to world premiere of her new show featuring the songs of Linda Ronstadt.
All about Ann Hampton Callaway: http://www.annhamptoncallaway.com/
at Feinstein's 54 Below: https://54below.com/events/ann-hampton-callaway-love-songs-linda-ronstadt/
Subscribe to Keith Price's Curtain Call on Itunes: www.keithpricecurtaincall.com
Follow @keithpricecurtaincall on Instagram
Follow @kpcurtaincall @comedydaddy
Like me on FB: https://www.facebook.com/Keith-Prices-Curtain-Call-1380539615593807/
Subscribe on You Tube: https://www.youtube.com/channel/UCduwJ3ytmAwdJMQtGllk1Ig2018-08-2209 min
Keith Price's Curtain CallAnn Hampton Callaway gives Feinstein's 54 Below the world premiere of her Linda Ronstadt show.It is always joy when I get the chance to sit and talk to multi award winning, singer/songwriter/composer, Ann Hampton Callaway.
She returns to Feinstein's 54 Below to have to world premiere of her new show featuring the songs of Linda Ronstadt.
All about Ann Hampton Callaway: http://www.annhamptoncallaway.com/
at Feinstein's 54 Below: https://54below.com/events/ann-hampton-callaway-love-songs-linda-ronstadt/
Subscribe to Keith Price's Curtain Call on Itunes: www.keithpricecurtaincall.com
Follow @keithpricecurtaincall on Instagram
Follow @kpcurtaincall @comedydaddy
Like me on FB: https://www.facebook.com/Keith-Prices-Curtain-Call-1380539615593807/
Subscribe on You Tube: https://www.youtube.com/channel/UCduwJ3ytmAwdJMQtGllk1Ig2018-08-2209 min