Course Objectives
Upon completion of the course, participants will be able to:

• Identify early warning signs of problem loans.
• Recognize the causes of business failure and operating losses
• Systematically evaluate a loan to ensure all pertinent information is taken into consideration.
• Develop a concrete set of procedures once a problem loan has been identified.
• Explore options for resolving problem loans including workout, outplacement and liquidation.
• Apply lessons learned from the recession to problem loan situations.
• Discuss who is responsible for sounding the alarm and developing an action plan.
• Identify industry risk issues.
• Move beyond the fundamentals and explore issues such as contingent liabilities, core earnings stability, and acceptable levels of liquidity and capital.
• Move beyond EBITDA and explore true cash flow.
• Explain the unique elements and options of problem real estate loans.
• Identify collection devices such as judgment, levy, garnishment, and prejudgment remedies.
• Describe the types of bankruptcy and hierarchy of claims.
• Identify potential lender liability issues.
• Communicate the bank’s decision to the borrower

Who will benefit?
Detecting Problem Loans is for loan officers and other credit professionals who need to understand the ways to minimize problem loans and to deal with them once they surface. The course is appropriate for lenders with one or more years of experience who manage credit relationships with commercial borrowers, credit review staff, credit policy officers, and junior workout officers.