Kyle Peterdy – CFI Education – Problem Loans

Description

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Kyle Peterdy – CFI Education – Problem Loans

Problem Loans
Examine common categories of problem loans and how they present unique challenges to a financial institution

• Appreciate the differences between a problem borrower and an actual problem credit
• Explore the differences between the symptoms and causes of problem loans
• Learn to detect a problem loan more quickly and be more proactive in its resolution

Overview
Problem Loans Course Overview
Problem Loans present many unique challenges for a financial institution. This course examines what constitutes a problem loan specifically and problem files more generally. We’ll look at the commercial borrowing relationship holistically to help identify the different ways that a client’s standing might deteriorate. Next, we’ll review different loan classifications before using an example pricing model in Excel to demonstrate how deteriorating risk on a file can affect a lender’s profitability.

Next, we look at how an individual loan officer or credit analyst can differentiate between problem loan symptoms and their underlying causes to help identify early warning signs much more effectively and to get ahead of problem files before they become a serious financial burden for the firm. Finally, we explore some of the options a lender has when trying to work through a problem file, including an in-depth look at an example Watch Report.

Problem Loans Learning Objectives
Upon completing this course, you will be able to:

• Define what a problem loan is.
• Compare different categories of problem loans (and client files).
• Interpret how problem loans can affect profitability for a financial institution.
• Explain the difference between the symptoms and the causes of problem loans.
• Detect problem loans more proactively by applying a systems thinking framework.
• Compare the different options a lender has when working with a problem file.

Who Should Take This Course?
This Problem Loans course is designed for current and aspiring commercial banking professionals, including relationship managers or loan officers, credit analysts, loan brokers, and adjudicators. This course will prepare you with the knowledge and skills you need to properly handle difficult borrower situations.

What you’ll learn

• Introduction
  Introduction
  Learning Objectives
  Download Course Files
• The Borrowing Relationship & “Problem Loans”
  What is a Problem Loan
  Portfolios
  The Borrowing Relationship
  Performing, Delinquency and Non-Accrual
  Expiry (Risk Rating)
  Expiry (Loans)
  Interactive Exercise 1
• Problem Files & Profitability
  Problem Loans and Profitability
  Provisions for Loan Loss
  Loss Given Default (LGD)
  Risk Rating Model Introduction
  Debt Inputs
  Coverage
  Leverage
  Efficiency and Liquidity
  Risk Rating Tab
  RAROC – Scenario 1
  RAROC – Scenario 3
  Interactive Exercise 2
• Midway Check-In
  Midway Check-in
• Symptoms, Causes & Early Identification
  Symptoms vs. Causes
  Systems Thinking and Problem Files
  Categorizing Early Warning Signs and Problems
  Causes and Symptoms – Mental Models
  Causes and Symptoms – Symptoms and Structures
  Causes and Symptoms – Patterns and Trends (Qualitative)
  Causes and Symptoms – Patterns and Trends (Financial)
  Causes and Symptoms of Business Distress
  Other Causes of Loan Loss
  Leading Causes of Loan Loss
  Interactive Exercise 3
• Managing Problem Loans & the Watch Process
  Problem Loan Options
  Stages of Resolution
  The Field, Special Accounts and the Watch Process
  The Watch Report
  Watch Report 1
  Watch Report 2
  Interactive Exercise 4
• Conclusion
  Conclusion
• Qualified Assessments
  Qualified Assessment

This Course is Part of the Following Programs
Why stop here? Expand your skills and show your expertise with the professional, specializations.

Commercial Banking & Credit Analyst (CBCA)® 
Problem Loans is part of the Commercial Banking & Credit Analyst (CBCA)® certification, which includes 58 courses.

• Skills Learned
  Financial Analysis, Credit Structuring, Risk Management
• Career Prep
  Commercial Banking, Credit Analyst, Private Lending

• Frequently Asked Questions:

  1. Innovative Business Model:
     • Embrace the reality of a genuine business! Our approach involves forming a group buy, where we collectively share the costs among members. Using these funds, we purchase sought-after courses from sale pages and make them accessible to individuals facing financial constraints. Despite potential reservations from the authors, our customers appreciate the affordability and accessibility we provide.
  2. The Legal Landscape: Yes and No:
     • The legality of our operations falls into a gray area. While we lack explicit approval from the course authors for resale, there’s a technicality at play. When procuring the course, the author didn’t specify any restrictions on resale. This legal nuance presents both an opportunity for us and a boon for those seeking budget-friendly access.
  3. Quality Assurance: Unveiling the Real Deal:
     • Delving into the heart of the matter – quality. Acquiring the course directly from the sale page ensures that all documents and materials are identical to those obtained through conventional means. However, our differentiator lies in going beyond personal study; we take an extra step by reselling. It’s important to note that we are not the official course providers, meaning certain premium services aren’t included in our package:
       • No coaching calls or scheduled sessions with the author.
       • No access to the author’s private Facebook group or web portal.
       • No entry to the author’s exclusive membership forum.
       • No direct email support from the author or their team.

     We operate independently, aiming to bridge the affordability gap without the additional services offered by official course channels. Your understanding of our unique approach is greatly appreciated.

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  • Firstly, item is not as explained
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