4th Quarter

We are now in the middle of football season and always enjoy watching the players raise their four fingers in the air to signal the fourth quarter.  Like in sports many banks and companies will be raising their four fingers next week.

As a recruiter this is one of the best times of the year.  Banks are well on their way to lay the strategy for 2016.  Employees are also doing their own evaluation of where they want to be starting in 2016.  Fortunately for many commercial lenders I have spoken with bonuses are expected to be solid this year. 

Due to this many will say "I am not interested and do not want to waste anyone's time."

Waste of time?  You are a banker right?  If your client has a good rate in their back pocket how do the negotiate with you?  It is called leverage and I would argue the best time in your career to learn about opportunities.  If you do not believe me ask how much leverage lenders had in 08 when banks were not even giving merit increases.  I am not saying you have to make a move and your current situation may very well be better than anything out in the market. 

If you are a CFO and not listening to other banks on your loan or financial options your investors have a reason to complain?  The same goes for you and the only thing you wasted was the leverage you built up this year.