Lending, no matter what the environment we are in, is always going to be crucial to the bank's success. At some point, even with technology, we are going to have to determine cash flow or understand how the spreading software arrived at its conclusions. Some things are just that fundamental. Richard Hamm has been a long time instructor for Barret in credit as well as several state associations, the RMA, the ABA, etc. When it comes to credit and credit education, he's one of the best there is. We catch up with him today to talk about what's going on in community banks in terms of their lending.

To register for our Commercial Lending Academy led by Richard, check out https://barretbanking.org/landings/cla/

Also, don't forget to check out our sponsor, ICBA Securities, and we thank them for their support of the podcast. https://www.icbasecurities.com/