{"product_id":"managing-problem-assets","title":"Managing Problem Assets","description":"\u003cp class=\"x_MsoNormal\" data-olk-copy-source=\"MessageBody\"\u003eIf you make loans, you will encounter problem loans.  No lender intends to make a problem loan, lending institutions must anticipate having some level of problem loans and loan losses. Problem Loans are simply a by-product of the business of lending. While there are different strategies for managing and resolving problem loans, the underlying problem is the same – a lack of cash flow to pay their creditors and operating costs. Resolving problems can be expensive and difficult, and managing problem loans properly is a complex, time-consuming task, frequently requiring specialized knowledge and expertise in, credit analysis, bankruptcy and security laws, as well as negotiating. The overriding objective in managing problem loans is to improve the lender’s position enough to get repaid in full.\u003c\/p\u003e\n\u003cp class=\"x_MsoNormal\"\u003eDelinquencies and losses are rising as the business cycle rolls through this period of higher interest rates and higher operating expenses cut into borrower cash flows and as tightening loan requirements reduces credit availability. Finding and resolving a problem loan in its early stages is much easier now than later. This course will help you diagnose and cure now.\u003c\/p\u003e\n\u003cp class=\"x_MsoNormal\"\u003e\u003cb\u003e\u003cu\u003eTopics covered in this course\u003c\/u\u003e\u003c\/b\u003e\u003c\/p\u003e\n\u003cp class=\"x_xmsonormal\"\u003e\u003cb\u003ePreventive maintenance\u003c\/b\u003e\u003c\/p\u003e\n\u003cul type=\"disc\"\u003e\n\u003cli class=\"x_xmsonormal\"\u003eRed flags of problem loans\u003c\/li\u003e\n\u003cli class=\"x_xmsonormal\"\u003ePortfolio signals, e.g., declining communication from borrower\u003c\/li\u003e\n\u003cli class=\"x_xmsonormal\"\u003eSlowdown in financial information\u003c\/li\u003e\n\u003cli class=\"x_xmsonormal\"\u003eDeterioration in risk ratings\u003c\/li\u003e\n\u003cli class=\"x_xmsonormal\"\u003eCovenant breaches\u003c\/li\u003e\n\u003cli class=\"x_xmsonormal\"\u003eOverdrafts\u003c\/li\u003e\n\u003cli class=\"x_xmsonormal\"\u003eDelinquency\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp class=\"x_xmsonormal\"\u003e\u003cb\u003eProblem asset policy\u003c\/b\u003e\u003c\/p\u003e\n\u003cul type=\"disc\"\u003e\n\u003cli class=\"x_xmsolistparagraph\"\u003eWhen to transfer problem loans to problem asset management, e.g., criticized and classified assets\u003c\/li\u003e\n\u003cli class=\"x_xmsolistparagraph\"\u003eNon-accrual\u003c\/li\u003e\n\u003cli class=\"x_xmsolistparagraph\"\u003eCharge-off\u003c\/li\u003e\n\u003cli class=\"x_xmsolistparagraph\"\u003eOREO asset management\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp class=\"x_xmsonormal\"\u003e\u003cb\u003eProblem asset management \u003c\/b\u003e\u003c\/p\u003e\n\u003cul type=\"disc\"\u003e\n\u003cli class=\"x_xmsolistparagraph\"\u003eProcess of default\u003c\/li\u003e\n\u003cli class=\"x_xmsolistparagraph\"\u003eJudgment\u003c\/li\u003e\n\u003cli class=\"x_xmsolistparagraph\"\u003eForeclosure\u003c\/li\u003e\n\u003cli class=\"x_xmsolistparagraph\"\u003ePossession\u003c\/li\u003e\n\u003cli class=\"x_xmsolistparagraph\"\u003eOREO\u003c\/li\u003e\n\u003cli class=\"x_xmsolistparagraph\"\u003eReporting\u003c\/li\u003e\n\u003cli class=\"x_xmsolistparagraph\"\u003eDisposal\u003c\/li\u003e\n\u003cli class=\"x_xmsolistparagraph\"\u003eNegotiation issues and tips\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e \u003c\/p\u003e\n\u003cp\u003e*\u003cmeta charset=\"utf-8\"\u003e\u003cspan data-contrast=\"auto\" lang=\"EN-US\" class=\"TextRun SCXW226512355 BCX0\"\u003e\u003cspan class=\"NormalTextRun SCXW226512355 BCX0\"\u003eThis \u003c\/span\u003e\u003cspan class=\"NormalTextRun SCXW226512355 BCX0\"\u003ecourse \u003c\/span\u003e\u003cspan class=\"NormalTextRun SCXW226512355 BCX0\"\u003edoes NOT qualify, nor meet the National Standard for NASBA accreditatio\u003c\/span\u003e\u003cspan class=\"NormalTextRun SCXW226512355 BCX0\"\u003en.\u003c\/span\u003e\u003c\/span\u003e\u003cspan class=\"EOP SCXW226512355 BCX0\" data-ccp-props='{\"134233117\":false,\"134233118\":false,\"335559738\":210,\"335559739\":210}'\u003e \u003c\/span\u003e\u003c\/p\u003e","brand":"BankersHub","offers":[{"title":"Default Title","offer_id":46891629510831,"sku":"ODC0507261","price":299.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0646\/2894\/9167\/files\/ManagingProblemAssets.png?v=1773945180","url":"https:\/\/www.bankershub.com\/products\/managing-problem-assets","provider":"BankersHub","version":"1.0","type":"link"}