Troubled Loans and Remedial Management.

DURATION

TARGET AUDIENCE

Relationship Officers, Branch Managers, Loan Recovery Officers, Credit Analysts, Credit Control Officers, Heads of Credit department etc

TRAINING OBJECTIVE/OUTCOME

At the end of the course, the Participants will be acquainted with credit risk management approaches, risk measurement methodologies, dynamics of non-performing loans, red signal for problem loans and strategies for recoveries for bad loans.

PROGRAM CONTENT

Review of macro-economic environment.

• Loan types, structuring, and their characteristics.
• Loan Fraud, Detections and Management.
• Fundamentals of Credit Risk Management – Credit Risk Mitigation/Administration, and Loan Classification System and Management.
• Understanding Credit default models- Calculations of Probability of Default (PD), LGD, Expected and Unexpected Losses, Expected Default Frequency (EDF), Distance to Default etc and management.
• Legal documentations for Credit Facilities.
• Cash-flow Analysis- Historical cash-flows, Projections – critical assumptions/value drivers, preparation, validations, sensitivity analysis, debt capacity and financial strategies.
• Credit Deterioration- Identifying troubled loans, causes and remedial strategies.
• Bad loans and Recovery Strategies
• Case Studies

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