Save the Relationship on Turndown and Ask-Out Credits


In this webinar, learn how a bank that has a commercial turndown or ask-out credit can start or maintain a deposit relationship and eventually provide financing upon the credits improvement position. Depository relations are important to a bank as they plant the seeds for a commercial lending relationship down the road when things improve.

To request playback, email Montana Townsend at

Learning Objectives

  • Understand how non-traditional lenders take the credit risk on non-bankable commercial accounts
  • Discover how to influence the turndown or ask-out credit to start or maintain a deposit relationship with the bank
  • Acquire the necessary skills to improve the likelihood of establishing a lending relationship down the road when things improve


Gary J. Panepinto 
Regional Manager 
Marble Bridge Funding Group

Gary has over 25 years of marketing and business development experience in alternative lending. Having served as vice president of business development for several community banks and alternative lenders, Gary is a well-rounded professional in sourcing credit opportunities, relationship , and underwriting. Target clients are commercial enterprises that are not traditionally bankable and have B2B accounts receivables. They include an array of industries such as hi-tech, manufacturing, distribution, staffing, transportation and construction. Gary is based out of the greater Sacramento area and services the Northern and Central California markets as well as Reno, NV.

Adam Fragen 
Senior Vice President
Marble Bridge Funding Group

Adam Fragen brings experience in both sales and credit, helping Marble Bridge structure unique solutions for its clients. He is a Certified Public Accountant with more than two decades of experience in finance, accounting, and mergers and acquisitions. He has been a strategic-planning and financial-forecasting advisor to a wide range of entities from startups to a Fortune 500 financial-services company, for which Adam advised on over $2 billion of international and domestic acquisitions and dispositions. Adam is active in the Bay Area community, having served as a financial advisor and board member for several non-profit boards in San Francisco and the East Bay.

WiBinar Fees

Pricing For Price Season Pass
Bank Member $195 $0
Bank Nonmember $249 $0
Affiliate Member $195 $0
Affiliate Nonmember $249 $0

Season Pass Members receive 4 individual logins to every WiBinar.

This WiBinar is ideal for

Commercial Loan Officer, Commercial Credit Coordinator, Business Development Officer