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 · 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 recent global 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 a systemic crisis
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
Who should attend the problem credits masterclass?
It is built for bank credit officers and lending teams, recovery and legal teams, bond credit analysts, and fixed income and credit traders — anyone whose results depend on seeing distress while there is still something to recover.
What early-warning signals does the programme teach?
It starts with the factors that push companies into financial distress: how and when cash flows deteriorate, how to measure liquidity through a downturn, how to unmask creative accounting, and how covenants and collateral can fail to protect the lender. The aim is to read the signal before the account migrates to default.
Does the course cover restructuring as well as detection?
Yes. It works through restructuring schemes for stressed accounts, the choice between workout and insolvency solutions, and implementation of the restructuring process, closing with action plans to curb the NPL ratio and reduce new defaults. Where insolvency regimes are discussed, this is professional training, never legal advice.
In which languages and formats is the masterclass available?
BIZENIUS delivers it in English and French, with an in-house edition tailored to your loan book and market. Sessions run on a rolling calendar, dates are confirmed on request, and fees and quotations are provided on enquiry.
Who teaches this
Practitioners, not presenters.
Led by practitioners who hold, or have held, the seats this programme prepares you for: group treasurers and heads of asset–liability management, chief risk officers, heads of credit and capital management, and former central-bank supervisors who examined the very frameworks they now teach. Between cohorts the same people advise banks on those frameworks, so what you learn is what is being defended in front of boards and regulators today.
What the bench brings
- Credit analysis, underwriting and structuring
- Credit policy design and portfolio diagnostics
- IFRS 9 expected credit loss and PD calibration
- SME and commercial banking credit
- Enterprise risk framework design and risk culture
- Risk appetite, limits and risk and control self-assessment
Where they have practised
Current and former practitioners — people who hold the seat today alongside those who have held it.
Sectors: Banking & financial services · Insurance · Technology & fintech
Regions: Africa · the Middle East · Europe · Asia · the Americas
How they teach
- Live case studies from real institutions
- Worked exercises on realistic bank data
- Regulator-style challenge sessions
- Group problem-solving on realistic institutional cases
- Knowledge checks and a personal action plan
Cohorts are kept small so every exercise is worked on the participants’ own situations — in person or live virtual.
The faculty profile for your cohort is sent with the full agenda and the next dates when you enquire.Request brochure →
Share this programme
Know the right person for this seat?Nominate a colleague →
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
Mandate № 01 · Africa
The training programme that became national regulation
What the team mastered, the regulator wrote into the rulebook.
Open the dossier →
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
Related programmes
Strategic NPL Management, IFRS 9 Provisioning & Debt Recovery Masterclass
A two-day roadmap for cutting NPLs — IFRS 9 staging and provisioning accuracy, workout strategy and recovery discipline for banks rebuilding capital strength.
View programmeNPL & IFRS 9: Problem Loans & Distressed Debt Restructuring Masterclass
The stages of restructuring a distressed business — early detection, waiver decisions, insolvency regimes and workout options that maximise recovery for the lender.
View programmeBanking & Finance
Take the brochure with you.
One request — the full agenda, the faculty and the next cohort dates, sent personally by the admissions team.