(Objectives / الأهداف)
Participants will be able to:
- Identify and respond to early warning signs of deteriorating credit.
- Develop an action plan for conducting difficult conversations with clients leading up to, or following, loan default.
- Understand the steps to take when debt must be restructured.
- Consider the impact of government response and the bank’s policies.
- Confidently apply the concepts learned to a distressed environment.
(Contents / المحتويات)
- Kick-Off Session:
- A live web class setting the stage for what to expect. Overview of the seminar components, schedule, and milestones, and demonstration of the eLearning activities.
- Problem Loans Course:
- Online training for fundamental best practices for recognizing and responding to distressed business loans.
The course is broken down into three modules:
- Deteriorating Credit.
- Collateral, Guarantees, Covenants.
- Problem Loans Application:
- Credit Coach
- Application of knowledge gained though the Rockbrook Fish case study. The online scenario and associated “smart-test” assess participants’ knowledge and decision-making skills. Learner feedback provides a report on areas of strengths and weakness, so participants can close any identified skill-gaps.
- The group level data also informs the debrief session in the web class. The facilitator will focus on where these students need a better understanding of the fundamentals.
- Problem Loans in a Distressed Environment: Web class:
- Virtual instructor-led training focusing on the current distressed environment, structured as follows:
- Introduction/System Functions.
- Rockbrook Fish Coach Scenario: Debrief.
- The Current Environment.
- Agrilon Case Study Activity.
- Problem Recognition (EWS) and Status Report.
- The Credit Ask.
- Leverage/Solvency Assessment.
- Break-out Sessions:
- Industry risk and considerations.
- Business risk relative to industry.
- Government and Policy Considerations.
- Case Study Conclusion.
- CRO or “Workout Officer” led Discussion.
(Participants / المشاركون)
- The seminaris suitable for anyone involved in business banking or commercial
banking, including credit analysts, underwriters portfolio managers and relationship managers, and those involved in the second line of defence, such as loan reviewers and auditors. It is also appropriate for business analysts who gather and analyze data at the portfolio level.