Master the unique skills required for managing special assets and workout situations.
The Learning Path for a Special Assets (problem loan workout) professional is built to strengthen the specific credit and risk skills required to stabilize, restructure, and resolve troubled relationships. It concentrates on the core disciplines that drive effective workout strategy: risk assessment, forward-looking financial projections, guarantor liquidity and cash flow as the secondary source of repayment, collateral analysis as the tertiary source, and the loan documentation needed to enforce remedies and protect the bank's position.
This Learning Path is designed for Special Assets officers who already have some commercial lending experience and a background in analyzing commercial credits. It assumes familiarity with underwriting basics and quickly moves into the areas that matter most when performance deteriorates. Focusing on building a credible view of what repayment can realistically look like going forward, pressure-testing assumptions, and identifying where real repayment support exists; whether from operating cash flow, guarantor strength, or collateral value.
The Secondary Learning Path is built for those with limited commercial underwriting experience and emphasizes the fundamentals needed to analyze borrower cash flow and supporting financial information so that workout decisions are grounded in sound credit analysis, not just urgency or precedent.
Note: Because Special Assets work is highly targeted, only selected courses within certain Skill Series are recommended. Full Skill Series are often designed for dedicated lending functions, while this path prioritizes the most workout-relevant sessions.
Upon successful completion of this Learning Path, the employee will be eligible to receive a Special Assets Certificate of Mastery.
Credits: 14 · Problem loan assessment and management
Credits: 10 · Foundational credit analysis for workout decisions