Identifying Strategy Lending Liabilities

This research identifies and confirms that loans officers who process soft and hard information in order to facilitate credit decisions within commercial banking, experience inabilities and liabilities herein referred to as Strategy Lending Liabilities which impair their ability to effectively implement their lending strategy. This soft and hard information is collectively known as lending technologies: soft technologies being relationship banking primarily based on qualitative information, whilst hard technologies are based on quantitative information and these may be easily processed and transmitted within commercial banking. Five Strategy Lending Liabilities - Liability of Bank structure and Lending; Liability of Lending Technologies; Liability of Lending and the Environment and Liability of Bank Ownership have been found to create a Strategy Lending Liabilities Framework which can be used to enhance decision making in commercial banks.