Your balance sheet may be the biggest lever your institution isn’t fully using. From loan sales and participations to securitization and diversified wholesale funding, institutions have more tools than ever to convert assets into liquidity, funding, and fee income, all while continuing to originate. Done well, these strategies let you “rent your balance sheet”: keep the loan engine running, free up capacity for higher-value assets, and diversify funding beyond deposits and traditional channels.

But any of these approaches rests on disciplined credit analysis; of the assets involved and the structure you’re building. Drawing on firsthand experience guiding real balance sheet transactions, ALM First will walk through how institutions evaluate their options for liquidity and funding diversification, where the profit and the pitfalls actually live, and the credit and balance sheet best practices that separate a smooth execution from a costly one, including where an experienced advocate protects your interests from start to finish.

Attendees will leave this session able to:

• Identify how different balance sheet strategies (loan sales, participations, securitization, and more) create liquidity, funding diversification, and fee income — and how to weigh the trade-offs between them
• Learn what makes assets suitable for sale or structuring, and the credit analysis that drives pricing, structure, and investor confidence
• Prepare to implement specific credit analysis best practices

Speaker:

Gavin Montgomery
Managing Director, Structured Products, Advisory
ALM First