Problem Loans

Contact Tom Carlin


(914) 834 4555

Problem Loans

Length 2 days

Course Goal
This course is designed to sharpen the ability of participants to recognize potential problem loans early and identify appropriate solutions once they surface. Case studies provide an opportunity for participants to apply what they have learned throughout the course.

Course Objectives
Upon completion of the course, participants will be able to:

  • Identify early warning signs of problem loans
  • Recognize the causes of business failure and operating losses
  • Systematically evaluate a loan to ensure all pertinent information is taken into consideration
  • Develop a concrete set of procedures once a problem loan has been identified
  • Explore options for resolving problem loans including workout, outplacement and liquidation
  • Apply lessons learned from the recession to problem loan situations
  • Discuss who is responsible for sounding the alarm and developing an action plan
  • Identify industry risk issues
  • Move beyond the fundamentals and explore issues such as contingent liabilities, core earnings stability, and acceptable levels of liquidity and capital
  • Move beyond EBITDA and explore true cash flow
  • Explain the unique elements and options of problem real estate loans
  • Identify collection devices such as judgment, levy, garnishment, and prejudgment remedies
  • Describe the types of bankruptcy and hierarchy of claims
  • Identify potential lender liability issues
  • Communicate the bank’s decision to the borrower

The Eensight approach is to customize all materials and case studies to reflect the lending environment actually experienced by the participant. Lecture and discussion, supplemented by group exercises and role play keep the course both fast paced and interesting.

Who Should Attend?
The course is appropriate for lenders with one or more years of experience who manage credit relationships with commercial borrowers, credit review staff, credit policy officers, and junior workout officers.


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