Overview
Attend this webinar to learn how to better manage “problem loans” and protect the rights of the bank in today’s market!
The webinar will begin with a review of the basics of how a commercial loan request “should be” processed to avoid a problem loan. This will include a brief review of “correct” business structure, the six elements of proper loan structure and the four aspects of adequate loan support.
The webinar will then focus on what happens when a “good” loan turns into a “bad” loan, i.e. the market has now turned down, tenants have left and the payments are severely delinquent. At this point in time, what should the bank do and not do? This section will address the “legal rights” of the bank and the “practical steps” that the bank should take to protect itself.
The practical steps will include the collection process, restructuring the loan, and/or proceeding against the borrower through repossession, foreclosure, filing a lawsuit to obtain a judgment, forcing the borrower into bankruptcy or simply “walking away.” This section also will include the “outside” influence from the banking regulators.
The webinar concepts will be summarized through a series of mini-case studies.
Topics
- review the management of problem loans
- process a commercial loan “correctly,” including business structure, loan structure and loan support
- face the reality that some loans go bad
- determine the bank’s strategy in protecting itself-collections, restructuring the loan, repossession, foreclosure, filing a lawsuit to obtain a judgment, forcing the borrower into bankruptcy or walking away
- assess “outside” influence by the banking regulators
- apply the concepts through case studies
Who Should Attend
commercial lenders, credit analysts, loan documentation specialists, branch managers, assistant branch managers, private bankers and business development officers
CPE Continuing Education
CPE will be granted to registered attendees upon request.
Specialized Knowledge – 6 credits
Instructional Delivery Method: Group Live
Prerequisites: Advance knowledge of bank practices.
Program Level: Advanced
Advanced Preparation: None
Presenter
David L. Osburn, MBA, CCRA
Osburn & Associates LLC
David is the founder of Osburn & Associates LLC, a business training and contract chief financial officer firm. His extensive professional background spanning more than 30 years include work as a business trainer/contract CFO and work as a bank commercial lender, including the position of vice president/senior banking officer. His banking credentials include loan underwriting, loan workout management and business development.
Osburn holds the professional designation of Certified Credit & Risk Analyst as granted by the National Association of Credit Management.
For More Information
Contact the MBA Education Department at 573-636-8151 or email.