PROBLEM LOANS: WARNING SIGNALS, ASSESSMENTS & RECOVERY

Registrations are closed

Live-Online Training: N166,625
Classroom Training: N 247,250
3 - 4 participants: 5% discount
5 or more participants: 10% discount

 (Available also for Customised Training by Duration, Venue & Fee)

Course Contents

DAY ONE

Introduction - Why Businesses Fail in General

  • Defining a failed business
  • Macroeconomic instability
  • Political instability
  • Declining industry
  • Financial stress
  • Failure of strategy.

 

Failures of Specific Companies

  • Weak Financial Structure
    • high gearing
    • poor liquidity
    • high operating costs/low margin
    • cash consumer - poor cash flow 
    • financial mismatch
  • Overtrading
    • emphasis on growth and not profit
  • Poor Leadership and Management
  • Poor Information Management System
  • Acquisition/Diversification
  • Too big a project.

DAY TWO

Problem Loans - When and Where to Look

  • Customer Personal Information
  • Financial Information
  • Management Information
  • External Information

Branch Information

  • Excesses
  • Increasing hard core in outstandings
  • Returned instruments
  • Overdue items
  • Reduced turnover on account
  • Withdrawals in large amounts.

Security

  • Value of security going down
  • Kite-flying
  • Poor reporting on secured assets
  • Many requests for bank information

DAY THREE

Personal Bank Information

  • Elusive head or manager
  • Request to release security
  • Request to release personal guarantees

Customer Personal Customer Information

  • Request for increased in facility
  • Supplier payment pressure
  • Old stock
  • Poor staff morale
  • Changes in key staff/management

Financial Information

  • Sudden losses
  • Substantial decrease in net worth
  • Substantial decrease in liquidity
  • Deteriorating ratios
  • Late submission of financials
  • Auditors qualified opinions
  • Change of auditors
  • Change in valuation of assets
  • Window dressing
  • Drop in trade creditors
  • Sale and lease-back of assets.

DAY FOUR

Management Information

  • Current performance information not available
  • Current performance information cannot be prepared
  • Inflated management ideas about current profitability
  • Underestimated management ideas about current liability
  • Sensitivity analysis poorly or not done
  • Targets consistently not met
  • Poor or no costing system.

External Information

  • Troubled industry or sector
  • Unfavourable market information
  • Increased borrowing from other banks
  • Security given to other banks/creditors
  • Suspicion on information from other banks
  • Ratings downgraded.

Date & Time
Tuesday
June 4, 2024
Start - 8:30 AM
Friday
June 7, 2024
End - 3:00 PM Africa/Lagos
Location

Tom Associates Training

5/7, Alade Lawal Street, Opposite Anthony Police Station, Off Ikorodu Road, Anthony Village,
NG-LA
Nigeria
+234 817 859 1654
+234 809 276 3968 | +234 810 365 2225
tomassociatestraining@yahoo.com | info@tomassociatesng.com
Get the direction
Organizer

Tom Associates Training

+234 817 859 1654
+234 809 276 3968 | +234 810 365 2225
tomassociatestraining@yahoo.com | info@tomassociatesng.com