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Course Details

Early Warning Signs of Problem Loans

Webinar: ID# 1000734
Date: Recorded
Early Warning Signs of Problem Loans
About This Course:
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 are 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 deteriorating 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.What You'll Learn: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
  • Branch Managers
  • Loan Review Personnel
  • Directors
  • Auditors
  • Compliance Officers
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Early Warning Signs of Problem Loans
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