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Memphis, TN  38119

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Credit Union Loan Participations

Credit unions have a special commitment to the communities and the membership groups they serve while continuing to optimize their performance. 


At Banes, we have a special focus on government guaranteed loans, member business loans and mortgage loan participations. Of course, we can help with auto loans as well, but we've proven our capabilities in the mortgage and MBL sectors and have been invaluable to the credit unions we've been fortunate enough to serve. 


From the first participation we traded between credit unions in 2000, to the participations we traded just last week, we ensure our work optimizes our partners' balance sheet and earnings while maintaining full compliance with regulatory guidelines.

"We understand that 'loan participation' isn't just another term for 'loan trading'. I've spent over 20 years working with credit unions as my capital markets focus. I lived through the 'contingent liability' concerns during y2k, traded my first loan participation among credit union clients that same year, and was around when we were wrestling with the eligibility of exchangeable CMO's in 2001. It's been exciting to watch the loan participation market grow and to be an integral part of that growth. "


You can trust our experience to help our credit union clients find the right partners, put the right participation programs in place, and keep fully compliant with NCUA Reg 701.22.

Stephen Bone

Managing Director & Head/Whole Loan Trading

Banes Capital Group

The Banes Capital Group (BCG) Whole Loan Trading Desk is one of the more active in the country, trading a spectrum of unsecuritized loan products from government guaranteed loans (GGL) to residential scratch and dent (SND) pools and non-performing loans (NPL). With an average of 20+ years of experience on the desk, BCG also assists its valued lenders with full balance sheet consulting, optimization, and ALM simulation, as well as advanced loan analytics and pricing. BCG and its Hanover Securities affiliate currently do business with over 650 financial institutions nationwide. Hanover Securities is one of only 14 SBA Certified Pool Assemblers in the country. We strive to be a valued resource for our bank and credit union clients who wish to optimize their performance in both government guaranteed and traditional lending, and we've put the systems in place to help our clients outperform.


Although this information has been obtained from sources we believe reliable, we do not guarantee its accuracy, and it may be incomplete or condensed. This is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. Loans and/or Securities which may be shown are subject to availability and changes in price. Past performance is not indicative of future results. Changes in any assumptions may have a material effect on projected results. This information from Banes Capital Group (BCG) and/or Hanover Securities is for your private use, and was obtained from sources we believe to be reliable. However, we do not represent that this information is accurate or complete, and it should not be relied on as such. This information is for institutional investors only, and as such certain transactions may give rise to substantial risk and are not suitable for all investors. This information was based on current market indicators which may vary over time. We may from time to time buy or sell, or have long or short positions in loans or securities identical or related to those identified herein. 


The pricing of loans or any Level II or III asset is inherently an exercise in quantifying uncertain variables. As such, great care should be taken when pricing loans for reporting purposes. The information included herein should never be taken as the sole method, or even a method to be relied on, for the pricing of loans or other Level II or III assets as this is for informational purposes only.

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