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Program Terms and ConditionsBack to Basics Lending: Workout & Recovery
Recorded: Dec 16, 2009
Presenter: Richard K. Yowell, RK Yowell & Associates
Duration: 1 hour
The recent financial and market troubles have caused many community banks to become involuntary owners of non-performing real estate assets and delinquent loans. As a result, community banks are confronted with mounting pressure to proactively work out of the problems and maximize loss recovery.
Join Sheshunoff Consulting + Solutions for this informative, 60 minute webinar as we:
- Explore the decision to preserve the customer relationship or go for foreclosure, workout and recovery
- Review the steps to evaluate a workout and develop a strategy
- Feed the lessons learned in workout back into the credit review process
- Discuss issues in dealing with OREOs
- Examine options when a customer declares bankruptcy
- Discuss specific officer qualifications needed for workouts
Who should attend: CEO, President, Chief Financial Officers, Senior Lending Officer, Chief Commercial Lending Officer, Chief Credit Officer
About the Presenter
Richard K. Yowell, RK Yowell & Associates
During his 25+ years as a banker, Dick Yowell was twice the CEO of community banks in turnaround situations. Dick's efforts included:
- Designing and executing a recovery process for troubled loan portfolios,
- Reducing criticized assets,
- Increasing profitability from .54% of assets to 1.40%,
- Building a portfolio of small business loans that increased the loan-to-deposit ratio from 28% to 70% with no increase in criticized assets.
During his bank management career, Dick served on the on the Board of Directors of the Virginia Bankers Association, was a founding member of the Board of Directors of the Virginia Automated Clearing House Association and served as a member of the Executive Committee of the Community Bankers Division of the American Bankers Association. He joined the ABA staff to establish the Community Bankers Division as a free-standing unit, with its own legislative agenda and responses to the changing political and economic landscape.
Dick left banking as a practitioner in the mid-1980’s to become a consultant. He built a practice assisting troubled institutions under supervisory agreements, leading eight such engagements personally. He has published articles and delivered numerous training sessions on banking subjects for the ABA, BAI, RMA and various state banking associations. Dick is a graduate of the University of Virginia and a U.S. Army veteran.
Continuing Professional Education Credit
Delivery Method: Group Internet-based CPE Credits: 1
Program Level: Overview Prerequisites: None Advance Preparation: None
Registration: To register online, please select the time in the box in the upper right or call us at 1.800.477.1772
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