Troubled Agricultural Borrowers: Identifying & Managing
Do you understand the agricultural economic prospects for 2025 and beyond? The key for lenders is to be proactive in identifying which borrowers are most susceptible to decline under stress. This webinar will cover which ratios are most important to track as well as how to most effectively use stress testing to identify potentially troubled borrowers, allowing time for the bank and borrowers to make adjustments prior to further decline.
AFTER THIS WEBINAR YOU’LL BE ABLE TO:
- Analyze the 2025 agricultural economic outlook and adapt lending strategies to evolving challenges
- Spot early warning signs of financial distress in agricultural borrowers before issues escalate
- Implement proactive strategies to manage at-risk borrowers and minimize loan portfolio risk
- Leverage advanced restructuring techniques for long-term borrower recovery and sustainability
- Master best practices for managing loan workouts and effectively communicating with non-performing borrowers
WEBINAR DETAILS
After several good years for agriculture, profits declined significantly in 2023 from the prior year. Analysis of 2024 will likely show further declines in farm income, and 2025 will likely be weak as well. While many ag borrowers took advantage of good times and reduced their debt levels, not surprisingly, the bottom tier with high debt levels were not as successful. Fast forward through two years of weak results and the expectation for a third consecutive year of poor cash flow, now the bottom tier of ag borrowers shows signs of financial distress potentially increasing the level of classified and non-performing ag loans.
Often a common solution to a declining situation is to restructure a borrower’s debt. This can be effective, but not always, as many restructurings end up being short-term fixes. Learn how to best analyze a borrower for an effective, long-term restructuring. And since not all struggling borrowers perform as expected, you’ll discover how to effectively manage workouts, including how to effectively communicate with them.
WHO SHOULD ATTEND?
This informative session is for all senior lending officers, loan officers, and credit analysts that are involved in agricultural lending or are interested in expanding into agricultural lending.
