Richard Owens

Richard Owens is a Regional Sales Executive for our ProfitStars Lending Solutions division. He has more than 20 years of experience working for and with both national and community banks.

Recent Posts

The 5 Cs of Credit Still Reign

Posted by Richard Owens

Fri, Aug 10, 2018 @ 10:00 AM

In recent years, fintech-style lending has focused a lot of attention on the concept of automated approval of smaller commercial loan requests. While it may seem as though lenders have moved away from the traditional “Five Cs” of credit toward a more digital path, they still reign supreme in the modern age of fintech.

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Topics: Customer Experience, Relationship Management, Commercial Lending, banking, fintech, technology, credit

Unraveling the Mysterious Risk of Healthcare Lending

Posted by Richard Owens

Fri, May 05, 2017 @ 11:00 AM

According to the Centers for Medicare and Medicaid Services (cms.gov), national health spending is expected to grow at an average of 5.6 percent per year from 2016-25 and 4.7 percent per year on a per capita basis. The projected growth rates are 1.2 percentage points faster than Gross Domestic Product (GDP) per year over that same period. As a result, healthcare’s share of GDP is expected to rise from an already high 17.8 percent in 2015 to a staggering 19.9 percent by 2025.

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Topics: Commercial Lending

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