Description
Kyle Peterdy – CFI Education – Problem Loans download, Kyle Peterdy – CFI Education – Problem Loans review, Kyle Peterdy – CFI Education – Problem Loans free
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 Loansâ€
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)®Â
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
