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Problem Loan Workout in Today's Market


Additional information

Presenter: David Osburn, Osburn & Associates, LLC

This 90-minute program will be presented live on: November 30 – 10:00-11:30 a.m.Central Time

Recording available through: March 1, 2023

Price: $330

Attend this seminar to learn how to better manage problem loans and protect the rights of the bank in today’s market!

The seminar will begin with a review of the basics of how a commercial loan request should be processed in today’s market i.e. avoiding problem loans. This will include a brief review of correct business structure, the six elements of proper loan structure, and the four aspects of adequate loan support.

The seminar will then focus on what happens when a good loan turns into a bad loan i.e. the market has now turned down, tenants have left, and the payments are severely delinquent. What should the bank do and not do at this point in time?

This question will be answered by addressing the legal rights of the bank and the practical steps that the bank should take in order to protect itself. This will include the collection process, restructuring the loan, and/or proceeding against the borrower through repossession, foreclosure, filing a law suit to obtain a judgment, forcing the borrower into bankruptcy or simply walking away. This section will also include the outside influence from the banking regulators.

The seminar concepts will be summarized through a series of mini-case studies.

Program Topics:

  • Review the management of problem loans
  • Process a commercial loan in today’s market-correct business structure, loan structure, and loan support
  • Face the reality that some loans go bad
  • Determine the bank’s strategy in protecting itself-collections, restructuring the loan, repossession, foreclosure, filing a law suit to obtain a judgment, forcing the borrower into bankruptcy or walking away
  • Assess outside influence by the banking regulators
  • Apply the concepts through case studies


Target Audience:  Commercial lenders, credit analysts, loan documentation specialists, branch managers, assistant branch managers, private bankers, and business development officers

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