Marcus Reyes

Lending & Credit Risk Editor

Marcus Reyes writes about lending, credit risk, and the balance-sheet decisions that keep community financial institutions healthy. A former commercial credit analyst, he translates shifting underwriting standards and rate cycles into practical guidance for lenders. His coverage focuses on what actually moves loan performance — not just what the headlines say.

Commercial lendingCredit riskUnderwritingBalance sheet managementInterest rate risk

3 articles by Marcus

Loans and Lending

The 1071 Small-Business Data Rule Is Here: A 2026 Compliance Playbook

The CFPB's Section 1071 small-business lending data rule is now in force for the largest lenders, with everyone else clo

Marcus Reyes·3 min

Loans and Lending

Keys to Successful Commercial Real Estate Lending

Commercial real estate lending is a complex and intricate one, with vast opportunities for both lenders and borrowers. H

Marcus Reyes·6 min

Loans and Lending

Navigating Rough Waters: The 2024 Outlook for Credit Unions Amid Auto Loan Challenges

The forecast for 2024 suggests challenging times ahead for credit unions, particularly due to their significant involvem

Marcus Reyes·3 min