1/ Most lenders don't have a growth problem. They have a discipline problem.
I'm placing an operator who has fixed that twice.
2/ The record: a 34-year-old lender absorbed into a community bank. $15M to $235M in assets. $840M+ originated. Headcount went down, not up.
3/ Every $1 of overhead went from producing $1.03 in revenue to $3.28. Beat industry delinquency benchmarks 10 years straight. 0.10% net charge-offs at exit.
4/ He did it by fixing credit, systems, and people first, then scaling. Proven through the Great Recession and COVID.
5/ If you run a bank, specialty finance company, or PE-backed lender that needs to grow the right way, DM me.