Well … at least not in real time. I recently heard a senior lending officer proclaim, with obvious relief, “Looks like we’ve dodged the recession bullet. We’re refocusing on loan growth opportunities.” The Fed-orchestrated “soft landing” is, of course, what our industry desires, but history clearly warns that it can take years before the effects of macro events such as pandemics, rate shocks and rampant inflation actually show up in lower credit quality. Even as these triggering events subside or abate, the lesson is clear: We shouldn’t let our guard down yet. BY DAVID RUFFIN, PRINCIPAL OF INTELLICREDIT, A DIVISION OF QWICKRATE Endorsed Partner HOLD ON! BANK LOAN QUALITY DOESN’T ALIGN WITH WALL STREET METRICS 6 In Touch
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