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Cited by 95Banking stability, regulation, efficiencyWorking Capital and Financial PerformanceMicrofinance and Financial Inclusion

The DOI matches its Crossref record; 19 of the 19 references it cites were found in a registry or an index.

Loan Officer Turnover and Credit Availability for Small Firms

Scott, Jonathan A.·2006·Journal of Small Business Management
DOI 10.1111/j.1540-627x.2006.00186.x
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Abstract

This paper presents empirical evidence on the role loan officers play in facilitating small firm access to commercial bank loans. If loan officers use soft information (for example, assessments of character, information from customers and suppliers) to make lending decisions that would not otherwise be made on the basis of hard information (for example, tax returns or financial statements), then, frequent turnover in loan officers should be associated with an adverse effect on credit availability. This relationship is confirmed empirically using survey data of U.S. small firms in 1995 and 2001, where loan officer turnover is positively related to the turndown rate on the most recent loan application. Although loan officer turnover could be influenced by the turndown rate (for example, an owner changes banks and gets a new loan officer as a result of a recent turndown), its negative effect on credit availability persists under several different tests.

Overview

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Registry

Crossref · 10.1111/j.1540-627x.2006.00186.x

Cites

19 of 19 references verified0 citation errors · 0 not checkable

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Citations

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Show all 19 references

Research works printed but not linked: 3

  1. Cole R., 2004, Journal of Business, 39, 227
  2. Greene W., 2002, Econometric Analysis
  3. Scott J., 2003, Credit, Banks, and Small Business: The New Century

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Metadata

Authors
Scott, J. A.
Affiliations
Temple University (US)
Corresponding author
Scott, Jonathan A.
Venue
Journal of Small Business Management
Publisher
Informa UK Limited
Published
2006-10
Volume
44
Issue
4
Pages
544-562
ISSN
  • 0047-2778 (ISSN-L)
  • 1540-627X
DOI
10.1111/j.1540-627x.2006.00186.x
OpenAlex
W2143586015
Cited by
95
References
19
Citations by year
2026: 1 · 2025: 1 · 2024: 3 · 2023: 6 · 2022: 3 · 2021: 3 · 2020: 3 · 2019: 4 · 2018: 7 · 2017: 11 · 2016: 4 · 2015: 4 · 2014: 5 · 2013: 5 · 2012: 11
FWCI
5.67
Type
journal article
Language
en
Open access
closed
Licence
doi.wiley.com/10.1002/tdm_license_1.1 (tdm, 3257 d)
Locations
  • Journal of Small Business Management (publishedVersion)
  • RePEc: Research Papers in Economics (submittedVersion)
Topics
  • Social Sciences › Economics, Econometrics and Finance › Finance › Banking stability, regulation, efficiency
  • Social Sciences › Business, Management and Accounting › Accounting › Working Capital and Financial Performance
  • Social Sciences › Economics, Econometrics and Finance › Economics and Econometrics › Microfinance and Financial Inclusion
Keywords
small business lending, access to credit, soft information, commercial bank lending, bank-firm relationships

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