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Problem Loan Work-Out in Today’s Market

Attend this webinar to learn how to better manage “problem loans” and protect the rights of the bank in today’s market!

OnDemand
Recorded Monday,
July 11th, 2022
Presented by David Osburn
2h total length
$279.00 or 1 Token

Includes: 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Commercial Lending
  • Lending
  • Risk Management/Legal
  • Bank Legal Counsel
  • Branch Manager
  • Commercial Lender
  • Compliance Officer
  • Consumer Lender/Retail Banker
  • Credit Analyst
  • Loan Operations Manager/Specialist
  • Marketing Officer/Business Development
  • Private Banker
  • Small Business Lender
  • Trainer
  • Workout Specialist/Collector

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The webinar will begin with a review of the basics of how a commercial loan request “should be” processed in order to avoid a problem loan. This will include a brief review of proper business structure, the 6 elements of proper loan structure, and the 4 aspects of adequate loan support.

The webinar 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 section will address the legal rights of the bank and the practical steps that the bank should take in order to protect itself.

The practical steps 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 webinar concepts will be summarized through a series of mini-case studies.

What You Will Learn

  • Management of problem loans
  • Process a commercial loan correctly including 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 lawsuit 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

Who Should Attend

Commercial lenders, credit analysts, loan documentation specialists, branch managers, assistant branch managers, private bankers, and business development officers.


David Osburn

Instructor Bio

David L. Osburn, MBA, CCRA, is the founder of Osburn & Associates, LLC, a Business Training & Contract CFO Firm that provides seminars, webinars, and keynote speeches for bankers, CPAs, credit managers, attorneys, and business owners.

His extensive professional background of over 30 years includes 20 years as a Business Trainer/ Contract CFO and 16 years as a bank commercial lender including the position of Vice President/Senior Banking Officer. Mr. Osburn has also been an adjunct college professor for over 30 years including College of Southern Nevada.