{"id":1,"date":"2024-03-12T21:59:38","date_gmt":"2024-03-12T21:59:38","guid":{"rendered":"https:\/\/factorsclearingcorp.com\/?p=1"},"modified":"2024-03-14T03:58:25","modified_gmt":"2024-03-14T03:58:25","slug":"hello-world","status":"publish","type":"post","link":"https:\/\/factorsclearingcorp.com\/index.php\/2024\/03\/12\/hello-world\/","title":{"rendered":"Banks Terminate 60,000 Workers In the Bleakest Year Since 2008."},"content":{"rendered":"\r\n

Big banks said adios to more than 60,000 employees as plummeting profits and uncertain economic conditions forced many institutions to make tough calls.\u00a0 The\u00a0Financial Times<\/em><\/strong>\u00a0has calculated that just 20 of the largest banks in the world have terminated at\u00a0least 61,905 jobs<\/strong>\u00a0in 2023, making it one of the worst years for such reductions in the sector since the 2008 financial crisis saw more than 140,000 jobs on the chopping block.\u00a0 As the banking sector wrestles with high costs weighing on profit margins, they have become less concerned about retaining financial talent and more concerned with survival.\u00a0 Banks disclose total headcount numbers every quarter and while the aggregate figures mask the actual hiring and firing going on beneath the surface, they are informative.<\/p>\r\n

Some of the deepest reductions have been at Wells Fargo where job cuts came after the bank announced a strategic shift away from the mortgage business early in the year. And even though the bank implemented cuts totaling over 50,000 employees in the past thirty-six months as part of the bank\u2019s cost-cutting plan, the firm isn\u2019t done shrinking that headcount. Bank executives said Friday there are \u201cvery few parts of the company\u201d that will be spared from more employees being discharged.<\/p>\r\n

Banks Making Fewer Business Loans Due to Recession Fears<\/h3>\r\n

Along with layoffs. commercial banks have been trimming their business loans over the course of 2023.\u00a0 According to\u00a0Forbes Magazine,<\/a>\u00a0the drop off is consistent with the leveling off of total loans of all kinds made this year.\u00a0 And the economic fears that are driving the change, on the part of both lenders and borrowers, are important.\u00a0 Since February 2023, commercial and industrial loans held by commercial banks have\u00a0declined $33 billion<\/strong>,\u00a0 Some bankers have pointed their fingers at falling deposits as the culprit. \u201cHow can we make loans when we don\u2019t have deposits?\u201d they ask.\u00a0 And they have a point\u2026since February 2023 total bank deposits have fallen $313 billion, which is nearly two percent.<\/p>\r\n

Take for example\u00a0Industry Bancshares<\/em>.\u00a0 Featured in a recent\u00a0Wall Street Journal<\/em>\u00a0article,\u00a0Industry Bancshares<\/em>\u00a0is the parent company of six banks with some $5 billion in assets and\u00a0 more than two dozen branches scattered across stretches of farmland and ranches in eastern Texas.\u00a0 It is one of those typical \u201csmall banks\u201d in rural America whose local focus has long been\u00a0relationship banking<\/em>.\u00a0 Historically, such small bank customers know their bank and officers.\u00a0 They, and their neighbors, are loyal customers and say they simply keep their money \u201cdown the street\u201d.\u00a0 Doak Hartley,\u00a0 the CEO of Industry Bancshares, usually can\u2019t go to a local restaurant, grocery store or even church in town without being noticed as their old friend.\u00a0 Now however, the chairman\u00a0 gets stopped by customers constantly asking about how to get a loan or where the economy might be headed.<\/p>\r\n

Commercial Finance Consultants:\u00a0 Take Advantage of This Bleak News<\/h3>\r\n

For\u00a0Commercial Finance Consultants (CFCs)<\/em>\u00a0now is the time to capitalize on the economic opportunities presented. For brokers and consultants with well-established lender networks, the challenges faced by small local banks can indeed be viewed as a fertile ground for opportunity, growth and expansion. When the broader financial landscape suggests an impending recession, it becomes imperative for professionals to:<\/p>\r\n

    \r\n
  • Offer Expertise on the Economy.\u00a0 Content is Your Friend:\u00a0 \u00a0<\/strong>No matter how you define it, banking is in trouble.\u00a0 Content is king.\u00a0 Double down on your website\u2019s blog and make certain you post informative articles at least once a week.\u00a0 Always additionally post those articles on LinkedIn.<\/li>\r\n
  • Focus on Your List Building Efforts<\/strong>:\u00a0 Now is the the time to work over-time and focus, focus, focus on your list building efforts and especially those business owners you consider \u201clocal\u201d.\u00a0 If needed, purchase industry lists form list brokers and \u201cfill your bathtub\u201d.\u00a0 You WILL need at least one direct mail stuffer with multiple cover letters.<\/li>\r\n
  • Reach Out to Your Local Bankers:\u00a0<\/strong>\u00a0While more and more banks will be turning down loans, you can rest assured they DO NOT want to risk losing customers and their deposits.\u00a0 When a lending officer is forced to decline a loan application, make certain they feel comfortable recommended you as an alternative.\u00a0 You should be r4eaching out and connecting to all of your local community lenders on LinkedIn.<\/li>\r\n
  • Strengthen Local Face-to-Face Networking Opportunities<\/strong>: Leveraging strong local professional network becomes crucial during challenging economic times. Consultants should actively engage with local business owners and attend after hours meet-ups, relevant seminars, and collaborate with other professionals.\u00a0 Expand you local networks and uncover new opportunities.<\/li>\r\n
  • Build, Build, Build Your Agent Networks<\/strong>: As professional commercial finance consultants, you will spend virtually 100% of your marketing and business development time locally, or at least within your city.\u00a0 That does not mean you turn your back on other small communities.\u00a0 All CFC\u2019s will build networks of part-time referrers and agents.\u00a0 There are lesson after lesson, after lesson on how to build this powerful lead generator.\u00a0 If fact, in this economy, you have tens of thousand of bank employees now seeking employment opportunities.<\/li>\r\n<\/ul>\r\n

    While economic downturns present challenges for small local banks, they also create significant opportunities for Commercial Finance Consultants. By leveraging their expertise, networking capabilities, and strategic insights, consultants can play a pivotal role in helping banks navigate through uncertainties, capitalize on emerging opportunities, and achieve sustainable growth.<\/p>\r\n","protected":false},"excerpt":{"rendered":"

    Big banks said adios to more than 60,000 employees as plummeting profits and uncertain economic conditions forced many institutions to […]<\/p>\n","protected":false},"author":1,"featured_media":376,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[11],"tags":[14],"class_list":["post-1","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economy","tag-economy"],"yoast_head":"\nBanks Terminate 60,000 Workers In the Bleakest Year Since 2008. - 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