Cross-Lending Takes Shape, Upending IT Demands

Bill Kramer, Linedata

Commercial lending and credit facilities, while distinct in their characteristics, are both becoming more complicated to handle with patchwork systems. To start with, commercial lending, according to Linedata senior vice president Bill Kramer, is becoming increasingly important, and likewise complex.

"In the mid-tier group of banks, you're talking generally about $10 billion to $50 billion in total assets, as the Federal Reserve defines it, and the commercial loan portfolio is the lion’s share o