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Problem Loans: Warning Signals, Assessments and Recovery

By: Tom Associates Training  

Lagos State, Nigeria

07 - 10 Jun, 2022  4 days

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NGN 175,000

Venue: 5/7 Alade Lawal Street, Off Ikorodu Road, Anthony Village, Lagos.

Problem Loans: Warning Signals, Assessments & Recovery Objectives are:

Course Contents

Day One

Introduction - Why Companies Fail

  • Business failures
  • Macroeconomic instability
  • Political instability
  • Declining industry
  • Financial stress
  • Management failure.

Causes of Corporate Failure

  • Weak Financial Structure
    • high gearing
    • poor liquidity
    • high operating costs/low marging
    • cash consumer - poor cash flow
  • 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

  • Branch Information
  • Personal Information
  • Financial Information
  • Management Information
  • External Information

Branch Information

  • Excesses
  • Increasing hard core in outstandings
  • Returned cheques
  • 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 Infomation

  • 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.

Note: Available as Classroom Training as Well as Online Training

5/7 Alade Lawal Street, Off Ikorodu Road, Anthony Village, Lagos. Jun 07 - 10 Jun, 2022

Registration: 09:00:am - 03:30:am

NGN 175,000.00(VAT Inclusive)
(Convert Currency)

Tolu Jegede 08178591654

Discount of 5% to 3-4 participants from same organization. Discount of 10% to 5 or more participants from same organization.

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