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PCR10: Actively Managing Problem LoansEvent: E1784 Category: Finance & Accounting 
Highlights * Know the Primary Objective in handling Problem Loans * Understand the Urgency of handling such loans * Be familiar with the major causes of Problem Loans * Know how to avoid or minimize Problem Loans * Know and understand how to Prevent Potential Fraud * Be familiar with the Early Warning Signals with respect to the Borrower, its relation with others and as indicated by its Financial Statements * Know the various Loan Classifications and how Non-Performing Loans (NPLs) are handled in a bank * Know the action steps to be taken once a problem loan is identified * Ensure an Action Plan is made in line with the Bank’s Objective * Ensure other alternatives/actions are explored * Understand the Actions to be Undertaken and What to be Avoided in a Workout Situation * Be familiar with some of the important lessons learnt Seminar Facilitator(s): Mr. Andrew K. T. Goh B.Econ. For more information about the seminar please go to: http://www.pi-eta.com/Seminars/Spore_Seminars/PIETA_Seminars/SemSporePCR10_Highlights.asp
event description
Seminar Background
This is an intensive program that covers how to manage Problem Loans, bearing in mind the urgency and the cost involved if they are not handled immediately. Participants will be familiarized with the major causes of problem loans and how to avoid or minimize them. The seminar also outlines ways to prevent fraud. Handling problem loans is a very specialized and tedious task and officers need to be specially trained so as to minimize the loss to the bank. Officers will also be taught to be familiar with early warning signals from the borrower, its relation with others and as indicated by its financial statements. Furthermore, the seminar will also share with participants the action steps to be undertaken once a problem loan is identified. Various alternative actions to handle problem loans are also discussed so as to minimize the time and effort spent. In addition, actions to be undertaken and what to avoid in a workout situation are also discussed. The seminar also provides some of the important lessons learnt from experience. Seminar Content * Definition of a Problem Loan * Primary Objective in Handling Problem Loans - Bank’s Primary Objective - Importance of Its Reputation - The Urgency of Handling Problem Loans * Major Causes of Problem Loans - Changes in Normal Business Cycle - Misrepresentation/Fraud - Poor or Mismanagement * Avoidance of Problem Loans - Marginal Loans - Constant Monitoring - Following Strictly to a Set of Target Market Criteria and Risk Asset Acceptance Criteria * Prevention of Potential Fraud * Early Warning Signals - Signals from Borrower - Signals from Relations With Others - Signals indicated by Borrower’s Financial Statements * Watch-List/Classification of Credits * Classification Definitions * Classification Grades and Non-Performing Loans (NPLs) * Action Steps to be taken once a Problem Loan is identified - Getting Started early - Obtain as much resources as possible - Communicate with the borrower - Relationship Manager must understand borrower’s situation - Working Dialogue with other creditors * Exploring Alternatives - The Bank’s Objectives - Developing an Action Plan - Other Alternatives * Actions To Be Undertaken and What to Avoid in a Workout Situation - Actions To Be Undertaken - What to Avoid * Important Lessons Learnt * Case Studies |
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