Sterling Terrell

recovering economist

Lubbock Top 20 Under 40 (2020)

Lubbock Top 20 Under 40 (2020)

Ok, so humble brag here I guess, my wife made the Lubbock Top 20 Under 40 list of 2020!

Just look at you guys and gals with your careers and all…

The entire list includes:

  • Isaac Aguilar, Parkhill
  • Dr. Gabriela Ashworth, Texas Tech University Health Sciences Center
  • Travis Barnett, Centerline Engineering and Consulting
  • Kelly Davila, South Plains Association of Governments
  • Abby Dye, City of Lubbock
  • Megan Estrada, Hub City Outreach Center
  • Cristian Garcia, Saint Francis Ministries
  • John Garcia, JSA Architects
  • Emily Guy, Texas Tech University System
  • Chase Head, BASF / West Sage Realtors and Consultants
  • Dr. Sameer Islam, UMC Health System
  • Delia O’Steen, ROI Talent Development
  • Dr. Andrea Parker, StarCare Specialty Health System
  • Stephanie Pruitt, Texas Corn Producers
  • Nick Reid, Marsh & McLennan Agency
  • Leticia Saiid, CoNetrix
  • Jessica Terrell, Happy State Bank
  • David Vaughn, Western Bank
  • Jaime Wheeler, Open Door
  • Jennifer Wilson, Texas Tech University
  • Samuel Wyatt, Parkhill 

How Banks Should Pick A Loan Customer

How Banks Should Pick A Loan Customer

So, as a bank, how do you pick a loan customer?

You pick the dull person, the workaholic.

Your best shot will be the guy who is up late every night fretting over every detail.

Forget passion, there is work to do.

My boss, who had been a commercial lender for over thirty years, said the best loan customer is one who has no passion whatsoever, just a desire to work hard at something that looks good on a spreadsheet. Maybe the loan customer wants to start a dry-cleaning store or invest in a fast-food franchise—boring stuff. That’s the person you bet on. You want the grinder, not the guy who loves his job.

-Scott Adams, How To Fail At Almost Everything And Still Win Big

Sterling Terrell