Molly Jeffcoat Moody

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Participations: One loan and multiple banks, Mississippi Business Journal

High dollar projects and banks’ house limits are major drivers of commercial loan participations.  This article addresses why and how banks join together to make a single commercial loan.<br/><b>What is a loan participation?</b><br/>A loan participation is an arrangement among banks in which one bank shares part of its…

Payment and performance bonds in construction projects, Mississippi Business Journal

Construction lenders on large commercial construction loans customarily require payment and performance bonds.  At the loan commitment letter stage, this condition rarely concerns a borrower.  Later, however, when the requirement materializes into a line item in the contractor’s budget, the borrower…

Zoning – trust, but verify, authenticate & insure, Mississippi Business Journal

Zoning plays a critical role throughout the life of a commercial development.  In terms of reviewing zoning status, the Reagan-adopted “trust, but verify” adage should come to mind.  Zoning, however, can be quite complex and the more appropriate proverb might be “trust, but verify, authenticate and insure.”…

The outlook in Mississippi for 2017, Mississippi Business Journal

M<br/>ichael Lewis’ new book – The Undoing Project – should be the starting point for any projections about commercial finance in Mississippi during 2017.  The book underscores our defective reasoning process that routinely (1) underestimates uncertainty, (2) places too much weight on limited observations,…