Problem Loans & Debt Restructuring

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.