This professional course equips participants with practical strategies and tools for managing problem loans, distressed accounts, and non-performing exposures (NPEs). The training course covers early detection of credit deterioration, loan restructuring, negotiation tactics, and legal recovery procedures. It is ideal for credit managers, collections teams, and risk professionals responsible for minimizing losses and optimizing recoveries from impaired loans.
Real-life distressed loan case simulations
Restructuring and negotiation strategy workshops
Walkthrough of legal enforcement and recovery mechanisms
Interactive dashboards for portfolio tracking
Identify early warning signs of loan deterioration
Segment and prioritize problem accounts for action
Design effective remediation and restructuring strategies
Execute borrower negotiations with financial realism and empathy
Navigate legal enforcement and collateral realization processes
Build dashboards for NPL tracking and reporting
Align NPL strategy with internal governance and regulatory guidelines
Session 1: Introduction to Problem Loans and NPL Lifecycle
What qualifies as a problem loan?
Causes of borrower distress (internal and external factors)
Credit classification and provisioning impact
Session 2: Early Warning Signals and Portfolio Segmentation
Financial and behavioral indicators (missed payments, covenant breaches)
DPD buckets, staging, and watchlist systems
Prioritizing accounts based on exposure and risk
Session 3: Loan Restructuring and Forbearance Options
Principles of sustainable restructuring
Term extensions, payment holidays, interest waivers
Internal approval, documentation, and monitoring mechanisms
Session 1: Recovery Strategy and Legal Recourse
Soft vs hard collections
Legal enforcement options (repossession, insolvency, litigation)
Jurisdiction-specific laws (e.g., UAE IBC, Saudi Enforcement Law)
Session 2: Negotiation and Borrower Engagement
Negotiating in good faith vs recovery-focused tactics
Managing uncooperative borrowers
Balancing recovery, brand, and customer relationships
Session 3: NPL Dashboards, Controls, and Governance
Designing MIS for overdue tracking and recovery pipeline
KPIs for recovery teams: resolution rate, cure rate, write-off ratio
Group case simulation: Review of distressed SME or retail loan portfolio
Final action planning and role-based presentation
We are open to customizing this program to align with your specific learning objectives. If your team has particular goals or areas they wish to focus on, we would be happy to tailor the course outline to meet those needs and ensure the program supports the achievement of your desired outcomes.
This professional course equips participants with practical strategies and tools for managing problem loans, distressed accounts, and non-performing exposures (NPEs).
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