Banks must fulfill the public trust by preserving the deposits of citizens. Common Sense: Making Good Decisions In Real Estate Workouts is a basic primer that every bank president, board member and loan officer NEEDS TO READ. The herd mentality of loose lending is always the cause of bank failure. When the cyclical economy implodes as it does every 10 years, good decisions keep the business of banking alive. A workout department evaporates when times are good, but being prepared for problem loans allows for good decisions when needed. Being reactive is not a way to operate a business. Being...