The Banker Next Door

Episode 43: Commercial Real Estate Update

This episode provides an update on the commercial real estate market with a focus on commercial office space. Office properties continue to experience deteriorating rent rolls, which is leading to a decrease in property values, and thus delinquencies on their existing mortgage debt.  

Episode 42: Interview with Bob Newman from Chatham Financial

This episode is an interview with Bob Newman from Chatham Financial. Chatham is a global advisory and technology firm focused on financial risk management. Chatham has expertise in the debt and derivatives markets. The conversation focuses on derivatives and how banks can effectively use them to hedge the risk on their balance sheet.
https://www.chathamfinancial.com/

Episode 41: Open Banking

This episode explores the coming financial regulation known as Open Banking. This is being rolled out through the Consumer Financial Protection Bureau (CFPB). Specifically, section 1033 of the Dodd-Frank Act requires banks to make available to consumers and authorized third parties’ certain data relating to consumers’ transactions and accounts. Everyone needs to ask themselves: do you want big tech getting all your banking data? Please reach out to your local U.S. congressional representative and inquire about Open Banking.
https://www.federalregister.gov/documents/2020/11/06/2020-23723/consumer-access-to-financial-records

Episode 40: Beneficial Ownership Information

This episode examines Beneficial Ownership Information (BOI), which has been rolled out by FINCEN based on the Corporate Transparency Act. BOI is being rolled out in three parts. The first part, which is the collection of information, is already live. The second part is about to be put into effect and the third party is yet to be rolled out. Existing companies must register by January 1, 2025. Companies that are created in 2024 have 90 days to register. Please reach out to your local U.S. congressional representative and inquire about BOI.
https://www.fincen.gov/boi

Episode 39: Inflation

This episode looks at inflation in the U.S. from the 1970’s to today. It specifically examines the stagflationary periods in the 1970’s and how that relates to today’s economic environment. We consider the Fed’s coming interest rate decisions and wonder if the Fed is about to repeat past mistakes.

Episode 38: 2023 Year End Recap

This episode is a recap of the podcast episodes from 2023, documenting my first four months in the podcast world. I discuss the different sections of content on the YouTube channel and what is to come in 2024.

Episode 37: U.S. National Debt

This episode discusses the current situation with the national debt, which is about to hit $34 Trillion. Some of the things that are discussed include unfunded liabilities, derivatives, the benefits of being the world reserve currency and why having a debt to GDP ratio of 120% is a very bad thing.

Episode 36: Interview with Kent Kirby from ABRIGO

This episode features an interview with Kent Kirby. ABRIGO is a fintech company that focuses on financial solutions for banks across the U.S. One of the areas they specialize in is loan automation. The conversation with Mr. Kirby focuses on why a bank would want to automate their loan process and what are some of the challenges with automating.
www.abrigo.com

Episode 35: Yield Curve

This episode examines the yield curve, specifically the inversion that has occurred since July of 2022 and what the ramifications are on consumers and fixed income investors. A normal sloping yield curve is displayed along with an inverted yield curve. What does this ultimately mean for the general economy in 2024?

Episode 34: Interest Rates

This episode examines interest rates with a look at the Federal Funds rate, treasury rates, and various consumer and business rates.