SME Problem Loan Workout and Debt Restructuring

One of the significant lessons learned from the Covid crisis and its aftermath is the importance of good liquidity management for the survival and growth of the SMES. Recognizing this need, JBS has taken the initiative to prepare a targeted and timely training module for bankers that are involved in the SME business area.

The principal objectives of this programme are to provide delegates with a developed understanding of the Early Warning Signals that indicate problems confronting corporate SMEs clients operating in your bank’s key market, as well as methods in early problem loan workouts for SME companies in distress. Since the introduction of changes to restructuring practises in the US, UK and EU, the scope of debt restructuring and the solutions that bankers may use to protect their exposure to SME loans has become more transparent. This course therefore assesses a number of different problem loan workout solutions that can now be implemented as a result of changes in the legislation, in key jurisdictions.

• Reviewing key Early Warning Signals that can indicate distress in the SME
• Identifying EWS from a leading perspective
• Assessing different types of SME loan default
• Assessing when the loan needs to be restructured, the company turned around, or put into Corporate Recovery
• Understanding when a situation can be salvaged and when it can’t.
• Understanding which trigger events can lead to the SME restructuring
• Reviewing the new restructuring process in international jurisdictions and assessing its impact on restructuring
• Implementing a practical 10 point plan for effective restructuring of the SME loan
• Understanding and identifying strategies for recovery for the SME
• Using cash flow forecasts to understand the feasibility of the SME’s recovery strategy
• Implementing a company turnaround and steps required for a successfully recovery of the SME business
• Practical steps needed to alleviate a liquidity crisis in a defaulted company
• Corporate recovery and steps used internationally to accelerate claims against an SME company.