Grow, reprice, or walk away: How to decide which loans are worth it

Loan opportunities are returning, but more growth does not always mean more value. Competitive pricing, funding costs, capital usage, concentration limits, and borrower uncertainty can determine whether a loan strengthens the portfolio or adds more risk with less return.

In this webinar, we’ll look at several common loan and portfolio situations and talk through what should happen next. You’ll see how to weigh a loan’s expected return against the funding it requires and the risk it adds, then decide whether to grow, reprice, restructure, or walk away.

You will learn:

• How to evaluate a loan beyond its interest rate
• How funding costs, expected loss, capital, and operating expenses affect returns
• When lower pricing makes sense—and when it creates margin compression
• How deposits, fees, structure, and collateral can change the decision
• When changes in funding, borrower performance, or portfolio mix should trigger action