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Financial Reports/Expert Profile

Robert Hanzel

On Vacation
returns 12/28/2009

Expertise

I can answer questions regarding most areas of consumer and commercial finance. I have extensive experience regarding various types of loans (commercial, consumer, USDA, SBA 504, SBA 7A, foreign), many investment vehicles, credit, economics, and banking. I am not an expert regarding tax structures and other tax issues and thus would not recommend asking tax related questions.

Organizations

Both the Risk Management Association and the Bank Administration Institute.

Education/Credentials

I have obtained both my Credit Risk Certification from the Risk Management Association and a Loan Review Certification from the Bank Administration Institute.

Average Ratings

Recent Reviews from Users

User	Date	K	C	T	P	Comments
Tom	03/08/07	10	10	10	10	Thank you for the clear answer

Recent Answers from Robert Hanzel

2007-03-07 Explain what this means:

Well, this breaks down into several parts so I will define each: private equity takeout - another company, lender, individual, etc. will come in and purchase a large enough portion of the stock to take

2007-02-13 basic accounting-differentiating between financial statements:

Their are three basical financial statements. The first is the income statement (sometimes called the P&L) and this statement shows the income versus expenses. The second is the balance sheet. The balance

2006-11-21 Present Value of Future Benefits:

I apologize profusely, but I am on the road without access to the majority of my resources and will not be able to help answer your question. Please direct the question to one of the other experts who

2006-10-15 Loan interest calculating:

It most certainly makes a difference. By applying it to principal you reduce the overall principal balance by the full amount. However, if you make an additional installment payment than a portion of the

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