Uncertain economic times create a myriad of challenges for lenders – especially when margins are already razor thin. In this session we explore keys to developing an effective lending strategy that not only protects the balance sheet, but promotes sound growth during all economic cycles. We consider imperatives for strategic alignment within the organization; measured reaction to macro and micro economic events; the importance of distinguishing frequency from severity of loss; selecting the best growth initiatives based on economic conditions; and the incremental adjustments that can be made in lending programs which collectively have a positive and sustainable impact.