Problem Loans: A Banker's Guide

A new and invaluable guide to the techniques and strategies a banker should employ when tackling a problem loan. Drawing on their own extensive experience, and that of other practitioners, the authors demonstrate how a problem loan can be best managed to increase the likelihood of a successful turnaround. Across eight chapters, the book moves from a general discussion of the treatment of problem loans, through quantification of the risk position, identifying and handling problem loan customers, difficult interviews and business visits, corporate turnaround and restructuring and predicting failure.

Highly practical and detailed, the book will enable the reader to:

• develop frameworks for managing corporate loans;
• understand the underlying business risk;
• successfully utilise financial evaluation techniques;
• recognise the value of cash-flow as a tool for workout analysis;
• identify the early warning signals of corporate decline;
• cope with irregular management behaviour;
• prepare and implement successful turnaround solutions; and
• understand, through practical case studies, how to successfully apply these techniques.

This book provides options and frameworks for dealing with the variety of problem loans encountered in differing business sectors and diverse locations, and is an essential tool that will enable bankers to improve the success rate of their problem loan management.

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