Problem Credits: NPL, Early Warning Signs and Restructuring Masterclass
Spot distress while there is still something to recover — early-warning signals, covenant and collateral failure, and restructuring schemes for stressed accounts.
Format
Classroom · Live Virtual
Upcoming sessions
Pick a session to applyADMISSIONS OPENThe programme
The value destruction in a problem credit happens between the first missed signal and the workout — and most lenders see the signal late. This programme starts with the factors that push companies into financial distress: how and when cash flows deteriorate, how to measure liquidity through a downturn, and how covenants and collateral can fail to protect the lender. It then works through the response — restructuring schemes for stressed accounts, workout versus insolvency solutions, and implementation of the restructuring process. Written against the post-pandemic surge in non-performing loans, the cohort leaves with action plans to curb the NPL ratio and reduce new defaults.
What you will do
Who attends
- Bank credit officers and lending teams
- Recovery and legal teams
- Bond credit analysts
- Fixed income and credit traders
Programme agenda
Built for the decisions no textbook prepares you for
I.How companies become distressed
- Key factors behind financial distress
- Credit behaviour through the economic cycle
- Restructuring and bankruptcy during and after the pandemic
II.Early warning signs
- How and when cash flows become distressed
- Measuring liquidity through a downturn
- Creative accounting and true financial performance
III.Covenants and collateral
- The roles of covenants and collateral
- How they fail to protect lenders
- Limiting value destruction to improve recovery rates
IV.Resolving distress
- Designing and implementing the restructuring scheme
- Workout solutions versus insolvency solutions
- Action plans for the NPL ratio and new-default prevention
Frequently asked
Do these programmes cover the Basel III final reforms and the ICAAP/ILAAP cycle?
Yes. The BIZENIUS banking curriculum is built around the Basel III endgame, ICAAP, ILAAP, IRRBB, IFRS 9 provisioning, stress testing and BCBS 239. Participants leave able to quantify the output floor on their own portfolios, write capital and liquidity documents that withstand supervisory review, and defend the numbers to their board.
Are the programmes adapted to regional supervisors such as SAMA, CBUAE or BCEAO?
Casework is built around supervisory documents rather than textbook theory, and faculty include former practitioners who have sat on both sides of an examination. Programmes address the questions SAMA, CBUAE, BCEAO and other home regulators actually put to the desk, and an in-house edition can be tailored to a single jurisdiction.
How do I secure a seat on a banking programme?
Apply for a seat or request the brochure from the programme page. A senior practitioner — not a sales team — responds within one business day, and the brochure arrives with that reply. BIZENIUS runs on enquiry: there is no online checkout.
Can a programme run in-house for our bank?
Every BIZENIUS programme can be delivered in-house, tailored to your balance sheet, your regulator and your data, in English or French. Many institutions start with an open cohort, then commission a private edition for the wider team.
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In their words
Knowledge transfer, emphasised throughout
“We worked with BIZENIUS for our Fresh Graduates Programme — they are simply amazing. Knowledge transfer and practical learning were emphasised throughout.”
Kuwait Investment Authority
From the Mandate Record
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The training programme that became national regulation
What the team mastered, the regulator wrote into the rulebook.
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The Capability Arc™
Fix it · Advisory
Advisory & Consultancy
A senior bench across risk, treasury and regulation.
Learning is one point on the Capability Arc. Many institutions pair this programme with the advisory engagement — and automate what the framework demands.
Teams from these institutions train with BIZENIUS
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Take the brochure with you.
One request — the full agenda, the faculty and the next cohort dates, sent personally by the admissions team.