Detecting and Working on Troubled Loans

Past Event

Detecting and Working on Troubled Loans

PARTICIPANTS: This course will benefit lenders, analysts, underwriters, credit committee members, loan reviewers, examiners, bank presidents as well as bank board members who review spreadsheets or financial statements to determine a client’s credit worthiness.

RECOMMENDATION: Attendees should have to have at least a year of commercial lending or underwriting experience or have taken prior classes to understand the cash flow operations of a firm.

A late payment or overdraft is already too late. Distressed or troubled credits reveal their early deterioration signs in a number of ways that Bankers need to recognize to avoid later losses. The goal of this course is to help the banker catch the early stages of a declining credit while developing the optimal plan to address the issues that have arisen with the borrower.

This course sets the path for early identification while giving the tools to assess the critical areas that if left unchanged will cause the bank a loss. These include an assessment of liquidity vs solvency issues, sensitivity analysis, management capability, cash shortfall sources as well as other indicators that will determine a course of action, rehab or exit. A detailed discussion is provided to determine whether the credit is a rehab candidate or an exit candidate. Bankers will be introduced to various action plans and options in working with the borrowers with the goal of safe guarding the bank’s asset. A case study will be used and there will be light homework to complete prior to the class.

THE FOCUS: Understanding the importance of catching a deteriorating credit early as well as developing the best action plan to protect the bank’s credit asset and earnings.

THIS COURSE WILL COVER:

• Identifying the key early warning signs of credit deterioration
• Developing a methodical process to assess the risk as well as develop a decision, rehab or exit.
• Building comprehensive action plans using specific analysis tools to manage the troubled credit
• Assessing progress on the plans while making adjustments as needed to maintain the momentum to achieve the desired outcome, full repayment and protection of the bank’s asset and earnings.
• Note: We will be utilizing a case study to practically apply the concepts learned.

LOCATION: 

BELL BANK: Colonnade Building: 5500 Wayzata Blvd / Minneapolis, MN 55416

ITEMS TO BRING: Pencils and Calculator. Fully charged laptop.

PRESENTER: Brad Stevens is the founder of Stevens Risk Management, LLC which specializes in credit training and consulting for both the finance and manufacturing industry. He has over 30 years of experience in banking that included leading two banks out of troubled credit positions, identifying the deteriorating credits, working directly or with lenders in rehab and exit strategies as well as rebuilding the credit cultures to avoid future credit problems.

As a banker, Brad built strong credit portfolios based on the core approaches that he now shares in his training programs. He brings a unique hands on experience to his training sharing real world examples that resonate with those in attendance at presentations. Brad believes strongly in the philosophy of Making Banking Better through Bankers Training Bankers.

REGISTRATION FEE (Includes Jimmy John's boxed lunch and bottled water).

An Affiliate of the Minnesota Chapter is an individual who has paid the 2022/2023 local chapter fee for the Risk Management Association. National Membership does not qualify for affiliate benefits at MN Chapter events.

A minimum of 6 participants is required in order hold this course.

QUESTIONS? Contact Brenda Ryan, Chapter Administrator.

CERTIFICATE OF ACHIEVEMENT: Survey participation is required to receive a certificate of completion for this course. Please take the time to complete two short surveys; one will be sent immediately after and a 2nd survey will be sent 30 days post-event.

NOT AN AFFILIATE? Sign up HERE today, or contact the Chapter Administrator

 

Cancelation Policy

Cancellations (and no-shows) will not be refunded unless the instructor cancels the course.

If participant is unable to attend, the registration fee can be applied to a future RMA-Minnesota/Local course (prior to 8/31/23) – must notify the chapter administrator notice 4 business days prior to course date.  Substitution is allowed, however any difference in the applicable registration fee will be requested based on replacement’s current affiliation status.