Early Warning Signs of Problem Loans Webinar
Most loans on the books move from closing to full payout in accordance with the terms of the loan without the requirement of a serious collection effort. Unfortunately, some loans will not perform as expected due to a number of reasons (see complete description below).
Click Here for Webinar Description and Audience
Most loans on the books move from closing to full payout in accordance with the terms of the loan without the requirement of a serious collection effort. Unfortunately, some loans will not perform as expected due to a number of reasons. Most of the reasons for non performance of commercial loans are due to financial factors such as lack of cash flow or a low liquidity position. Other reasons for problem loans include: non-financial factors such as a down economy, poor management, technological advances or competition.
One of the primary reasons why bankers are criticized by regulators for poor loan portfolio management is due to bankers being slow in to recognize problem loans and when recognized, being slow to react. The purpose of this course is to assist bankers in recognizing the early warning signs of a deteriorating loan.
Early intervention in a potentially problem loan could result in a positive outcome by minimizing or even eliminating losses during the problem loan management phase. Samples of financial early warning signs that will be discussed during this session include:
•Rapid Growth and It’s Impact on the Balance Sheet
•Glitches in a Company’s Operating and Fixed Asset Cycles
•The Use of Debt to Fund Operations
•Financial Impact of Slowing Trading Asset Turnover
•Deteriorating Relationship with Other Creditors
•Lines of Credit that are “Maxed Out” and the Causes
When the major reasons for a deterioration loan have been identified, the course will then move into presenting techniques designed to manage these types of loans including:
•Performing Early Assessment of Loans and Collateral (Situation Analysis)
•Assessing the Collateral Position of all Creditors and Their Impact on your Borrower
•Utilizing Financial Covenants in a Loan Agreement Effectively
•Capitalizing on Tax Refunds From Loss Carrybacks Which Can be Applied to Your Loan
•Avoiding Pitfalls that Might Impede Enforcement of Rights
•Determining the Amount of Impairment to be Included in the Allowance for Loans and Lease Losses Based upon the Three Required Methods
After completion of this session, you will be able to recognize the obvious and subtle warning signs and have a better understand of what alternatives are available in order to increase the potential for full repayment.
Who Should Attend?
Any one in loan portfolio management or credit administration including, but not limited to:
•Senior Loan Officers
•Senior Credit Officers
•Commercial Loan Officers
•Consumer loan Officers
•Loan Review Personnel
Click Here for Continuing Education Credits (CEC) Info
This webinar is recommended for 2.5 CE Credit Hours. Each attendee will receive a Certificate of Attendance for self-reporting of CE Credits.
Click Here for Viewing Option Descriptions
INCLUDES SEVEN DAYS OF ONDEMAND PLAYBACK! With this option, you will participate in the webinar (via the internet) as it is being presented. You will login to the webinar on your PC to view the PowerPoint presentation, and you have the option of using your PC speakers or a telephone for the audio. Participants can type and send their questions to the instructor. Many companies are now running their PC through an LCD projector allowing many employees to participate in the same room.
SIX MONTH ONDEMAND VIDEO RECORDING:
With this option, you will receive an e-mail that contains a link to the PowerPoint slides (to download, print, and copy) as well as a link to the media player where you will view and hear the entire webinar just as it was delivered, featuring the full-color PowerPoint presentation with audio. You can pause, fast-forward and rewind as needed, which makes it an effective training tool. The weblink will be available to you (and anyone else in the company) for up to six months and can be accessed 24/7 as many times as you wish. Delivered via e-mail the day after the webinar takes place.
CD-ROM VIDEO RECORDING:
If you do not have internet access or want to make the webinar part of your training library, the CD-ROM Recording is a great option for viewing a webinar. You can pause, fast-forward and rewind as needed, which makes it an effective training tool. With this option, you will receive a download of the PowerPoint slides and a CD-ROM Recording (featuring PowerPoint presentation with audio) of the webinar via regular mail. Mailed 7 to 10 days after the webinar takes place.
Webinars can be scheduled and offered exclusively for your company. They can even be customized to best fit your needs. To find out more, please complete the in-house request form found in the Schedule and Registration Information section below.