Client Profile

 

Acquisitive Clients 

Banks typically need to show a Criticized / Classified asset ratio below 25% to be approved for additional purchases. This creates supply for Kettle Creek to purchase as well as an urgency for sale.

 

Banks With Troubled Asset Portfolios 

Banks often allow assets to linger in their Special Assets department until regulatory pressure increases and the need to sell becomes manifest.
 

Highly Concentrated Banks 

Banks have both an economic incentive as well as a customer service incentive to continue to make new loans. However, they also face increased scrutiny from regulators and investors over assets class concentrations. These otherwise performing or marginal loans have no ready market at present.
 

Specialized Troubled Loans 

Community Banks frequently originate loans that are more complex in a workout situation than they originally recognized. These loans represent internal headaches as well as regulatory headwinds that encourage divestiture. 

 

Legal Lending Limit Assistance 

While not overly common, there are many Banks that approach their "loans to one borrower" limit while still wishing to make additional loans to the borrower. In prior years, these Banks would have approached a correspondent Bank or Banker's Bank to fill this need. The bad experience with these entities in the Southeast has created a void for this type of assistance. 

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