Problem Loans & Debt Restructuring is a comprehensive professional training course designed to equip banking and finance professionals with the knowledge and practical skills required to manage problem loans, minimize…
Problem Loans & Debt Restructuring is a comprehensive professional training course designed to equip banking and finance professionals with the knowledge and practical skills required to manage problem loans, minimize credit losses, and implement effective debt restructuring strategies. As financial institutions face increasing economic uncertainty, changing market conditions, and evolving regulatory expectations, the ability to proactively manage distressed assets has become essential for preserving asset quality, improving portfolio performance, and maintaining financial stability. This course provides a structured approach to identifying, assessing, and resolving problem loans throughout their lifecycle. Participants will learn how to analyze the causes of borrower financial distress, evaluate repayment capacity, assess collateral values, and determine appropriate recovery and restructuring strategies. The program emphasizes balancing commercial objectives with prudent credit risk management while supporting sustainable borrower recovery where feasible. The course also explores advanced debt restructuring techniques, including loan rescheduling, refinancing, covenant restructuring, repayment modifications, collateral enhancement, and negotiated settlement strategies. Participants will gain practical knowledge of credit recovery planning, non-performing loan (NPL) management, legal considerations, regulatory expectations, and governance frameworks that support effective distressed asset management. Through practical case studies, negotiation workshops, and real-world restructuring scenarios, participants will strengthen their ability to develop recovery strategies, negotiate successful restructuring agreements, monitor restructured facilities, and improve recovery outcomes. The course supports banks, financial institutions, government financing agencies, development banks, and corporate lenders seeking to enhance their problem loan management capabilities while strengthening credit portfolio quality and long-term financial performance.
Course Outline:
Day 1: Foundations of Problem Loan Management
Foundations of Problem Loan Management
Understanding problem loans and non-performing loans (NPLs)
Causes of borrower financial distress
Credit deterioration and early warning indicators
Governance and regulatory expectations for distressed asset management
Practical application: Identifying problem loans through portfolio analysis
Day 2: Borrower Assessment and Debt Restructuring Strategies
Borrower Assessment and Debt Restructuring Strategies
Financial assessment of distressed borrowers
Evaluating repayment capacity and business viability
Loan rescheduling, refinancing, and restructuring techniques
Selecting appropriate restructuring strategies for different borrower profiles
Practical application: Developing a debt restructuring plan for a distressed borrower
Day 3: Recovery Management and Legal Considerations
Recovery Management and Legal Considerations
Recovery planning and workout strategies
Collateral evaluation and security enforcement options
Legal considerations in loan recovery and debt restructuring
Negotiated settlements and alternative recovery approaches
Practical application: Evaluating recovery alternatives using real case studies
Day 4: Negotiation, Monitoring, and Performance Management
Negotiation, Monitoring, and Performance Management
Negotiation strategies for restructuring agreements
Monitoring restructured loans and borrower performance
Managing re-default risk and ongoing credit supervision
Recovery reporting and portfolio performance measurement
Practical application: Conducting a restructuring negotiation simulation
Day 5: Best Practices in Problem Loans & Debt Restructuring
Best Practices in Problem Loans & Debt Restructuring
Regulatory compliance and governance for distressed asset management
Digital tools and analytics in problem loan management
Continuous improvement of recovery and restructuring processes
Strengthening collaboration between credit, legal, recovery, and risk management teams
Final workshop: Analyze a distressed lending case, prepare a comprehensive debt restructuring strategy, evaluate recovery options, negotiate restructuring terms, and develop an implementation action plan to strengthen problem loan management within the organization.
No upcoming events are currently scheduled.
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