Nov 5, 2020
How do we decide restructure is the best option, or even a viable option, to keep the relationship and protect our loan portfolio?
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Consider capital position, liquidity, and current liabilities
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Understand what the borrowers are facing such as supply chain issues
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Re-balance the long-term liabilities when they previously used short-term money for long-term purposes
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Consider the fair market value of depreciated assets
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When the restructure is needed to improve loan monitoring
Resources:
LinkedIn:
https://www.linkedin.com/in/michael-wear-crc-853b9828/
Commercial Lending Alternative Financing pdf:
https://lindakeithcpa.com/wp-content/uploads/2020/10/Credit-Risk-Ready-Michael-Wear-Alternative-Financing.pdf
About Michael Wear:
Mike Wear is owner of 39 Acres Corporation, specializing in banker training and bank consulting services in credit risk underwriting and loan portfolio risk management. Less lecture—real business cases—more hands-on practice and more fun!
Over his 41-year banking career, he previously served in commercial lending and senior credit management positions with Omaha-area community banks. Wear retired as a Senior Analyst in the Credit Risk Administration department of First National Bank of Omaha, a $23 billion community bank, specializing in underwriting larger ($10-100M) commercial real estate loans throughout the country. In addition, he developed curriculum and conducted multi-tier training programs in credit analytics on an enterprise-wide basis.
He is the Loan Portfolio Management Section Leader and serves as a member of the faculty at the Graduate School of Banking at the University of Wisconsin in Madison, as well as GSB’s Sales & Marketing School and IT Management School. He is a former adjunct professor for the University of Nebraska-Omaha. He has authored articles for banking publications and has served as a textbook editor/reviewer for the American Bankers Association.
Mike is now expanding his advanced commercial and CRE lending workshops and teaches for several State Banking Associations. Bank consulting offerings include customized credit analytics, effective prospecting, and loan portfolio risk management strategies and tools to identify risk in the Pass-rated portfolio.
Contact Information:
MikeWear@hotmail.com or 39AcresCorp@gmail.com
402-871-9067
Find out more about Linda Keith at:
LinkedIn: https://www.linkedin.com/in/lindakeith/