BANKER DAY
WHAT ARE THE 5 Cs OF CREDIT?
Students visit with a banker and present their business plan on Banker Day. Bankers explain the process of applying for a business loan and the “5 Cs of credit”.
•Chris Simon, Bank of Calhoun County
Noah Borkowski
“My meeting with Chris yielded a tough conversation about my business that yielded all of the potential risks involved with my tournaments. By leading me in the right direction from a bankers perspective, he was able to iron out the risks of my business that I had not already taken into consideration. I’d like to personally thank Mr. Simon for being a helpful hand in ensuring my business can live up to its full potential.”
• Steve Goetten, Jerseyville Banking Center
Lily Judkins & Clark Blasa
“I learned so much about business loans and how they actually worked. Steve Goetten was a great teacher!”
• Mark Schaefer, Jersey State Bank
Kylie Soffray & Cloud Sutton
“He was very kind and took the time to talk with me about loans, my future, and his thoughts on my business. He gave me valuable insight and advice, and he was very easy and pleasant to talk to. I really appreciated the opportunity to learn from him.”
•Kara Ontis, Farmers State Bank- A Tradition of Trust Lily Wilkinson & Madalyn Bodenbach
“I felt like I learned a lot for Kara Ontis and she was very helpful with explaining what a business loan is. Did you know you can even get a loan with no credit score! How neat.”
• Tony Heitzig, Heartland Bank & Trust
Alex Martin & Nolan Craigmiles
“He was a great man to speak to. He had a lot of enthusiasm towards my business and making sure we left feeling we learned something.”
• Don Walsh, Royal Banks of Missouri
Kyler Bick & Ariana Davis
“Don is such an incredible guy, he gave us very wise words of wisdom and advice. I truly think I could sit down and talk with him for a whole day, it was a pleasure getting to speak with him!!”
The 5 Cs of Credit: Character, Capacity, Capital, Collateral, and Conditions
Cloud & Maddi not pictured due to being on a trip to Springfield for state Senator Jil Tracey's Youth Advisory Council.
