Pillar of Her Community

EVAN SPARKS

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Pillar of Her Community

机译：她社区的支柱

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Dorothy Savarese tells a story about a humbling discovery she made shortly after moving to Cape Cod and how it reflects the heart of community banking. She already had 16 years of experience in economic development and at a large regional bank in the Midwest. She had taught credit analysis on a national basis. So when she arrived on the Cape and started work as a commercial lender at the Cape Cod Five Cents Savings Bank, "I looked at the credits here and the way they had been written up in the past, and they certainly didn't meet my standards of documentation or credit underwriting," she says-noting that they were short on financial analysis and long on character analysis.

机译：多萝西·萨瓦雷斯（Dorothy Savarese）讲述了一个故事，讲述了她搬到科德角（Cape Cod）之后不久就发现的一个令人沮丧的发现，以及它如何反映社区银行业务的核心。她已经在中西部的一家大型区域银行拥有16年的经济发展经验。她曾在全国范围内教授信用分析。因此，当她到达开普敦并开始在科德角五分钱储蓄银行担任商业贷款人时，“我看着这里的信用额度以及它们过去的书写方式，这些信用额肯定不符合我的要求。文件或信用担保的标准。”她说，并指出，它们缺乏财务分析能力，而缺乏字符分析能力。

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《ABA banking journal》 |2016年第6期|32-36|共5页
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EVAN SPARKS;
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