Dear Banker: We know you constantly struggle with the challenge of balancing your outstanding loan portfolio in order to achieve a maximum return with a minimum of risk. Many banks accomplish that goal with internally generated credits. However, many others find that at any given time they can be either "under" or "over" loaned. When over-loaned, banks must pass up investment opportunities and when under-loaned, banks find themselves searching for viable credits which may or may not be available.

Yes, some correspondent banks do offer participation loans from time to time on a selected basis at selected rates, but the inventory is generally limited and availability does not always match your timing. Conversely, when a bank needs to temporarily even out an over-loaned portfolio, the "correspondent" is not always willing or able to step up and meet the need.

How can you expect to effectively fine-tune your loan portfolio in real time without some tool to help deal with the unpredictability of the market? Wouldn't it be nice if you could purchase loans from an inventory of stable, well documented, well collateralized, available-when-you-need-them loans? Well now you can! Bank2Bank Loans is the answer to your dilemma. We offer a full compliment of quality loans from a network of national, regional, and community lenders. The program is driven by sophisticated software developed expressly for this purpose.

So if you find yourself fighting the battle with an out-of-sync loan portfolio from time to time, we have the solution. Bank2Bank Loans is a program for bankers by bankers.