GSB – Problem Loan Workout in Today’s Market
Attend this seminar to learn how to better manage problem loans and protect the rights of the bank in today’s market!
The seminar will begin with a review of the basics of how a commercial loan request should be processed in today’s market i.e. avoiding problem loans. 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 seminar 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. What should the bank do and not do at this point in time?
This question will be answered by addressing the legal rights of the bank and the practical steps that the bank should take in order to protect itself. This will include the collection process, restructuring the loan, and/or proceeding against the borrower through repossession, foreclosure, filing a law suit to obtain a judgment, forcing the borrower into bankruptcy or simply walking away. This section will also include the outside influence from the banking regulators.
The seminar concepts will be summarized through case studies.
Review the management of problem loans
Process a commercial loan in today’s market-correct 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 law suit 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
Commercial lenders, credit analysts, loan documentation specialists, branch managers, assistant branch managers, private bankers, and business development officers
David Osburn, Osburn & Associates, LLC
Live presentation $275
Recording available through Mar. 7, 2022