Most of the time, I find living in the country to be pretty funny. Humorous incidents occur all the time—it’s just a matter of paying attention in order to see them. But sometimes, things happen that serve as a reminder of nature’s harsher side.

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On the topic of weather, my former boss, Gaylon Oehlke in Capital Farm Credit’s South Texas region, said it best: “It’s always raining somewhere, just not always here.”

Considering the size of Texas, it’s not surprising that average annual rainfall ranges from 8 inches in El Paso, to 60 inches in southeast Texas. The fact is that the 38-inch average annual rainfall in my part of central Texas is an average of years ranging from 8 to 60 inches. Is there a way to be proactive when you can’t control the clouds? 

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The most important and least quantifiable characteristic of a loan is the borrower’s character.  This is where loan officers get in trouble, because some of us place more emphasis on the paper in front of us than the individual in the chair. 

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