Whether they are referred to as Non-performing Loans (NPLs), problem loans, or stressed assets, the issue is the same.
No lending officer or institution wishes to create problem loans. However, they must be anticipated as an unintended and inevitable byproduct of the business of lending. Effective problem loan management is key to preserving an institution’s reputation, cost structure and profitability. GBRW’s diverse network of problem loan management professionals have first-hand experience in successfully negotiating and managing loan restructurings. They have worked extensively in a wide range of financial institutions across the globe. We pride ourselves on our practical expertise, we are passionate about working collaboratively with our clients and we are committed to sharing our knowledge with you.
We can help you analyse your portfolio and identify loans requiring special support, and to create a Stressed Asset Management (SAM) unit to focus exclusively on this segment. This consolidates and leverages the specialist expertise required to deal with problem loans, while freeing up the time of relationship managers and loan officers to focus on generating profitable business. GBRW also works with banks to develop the policies and procedures required to handle NPLs effectively, and to work side-by-side with your team to resolve individual problem loans.
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Stressed Asset Management Team
GBRW has a team of experienced banking and finance practitioners with practical experience in managing and resolving stressed assets at an individual as well as institutional level. Our team can mobilise on-site or remotely to work side-by-side with you to maximise recoveries and minimise costs, and to help build the foundations for future success. Problem loans scenario are best addressed frankly, promptly, and positively. Our approach avoids blame and emphasises the learning value of default events.
Nate Dickerson
Director, GBRW Consulting/ Learning
Joining in 2012, Nate Dickerson is the Director of Credit Risk Management at GBRW. Nate’s banking career started with Chase Manhattan, where he enjoyed a 13-year career. Responsibilities included domestic and international debt restructuring, credit administration, and relationship management. While at Chase, Nate also developed and delivered credit risk management training for Chase’s Credit Training Program.
Nate has been engaged as a consultant for over twenty-five years providing consulting and training in more than 20 countries in Asia, Latin America and the Caribbean, Europe, Africa, and the Middle East. Advisory services have focused on problem loan management, enterprise restructuring, corporate governance, credit risk management, loan assessment, institutional and industry assessments, organizational design, and human resource management.
During this time, Nate has also designed and delivered training programs for lending professionals serving the small and medium enterprise (SME) and microentrepreneur markets. Training programs have addressed Problem Loan Management; Out-of-Court Workouts; SME Credit Analysis; Commercial Credit Assessment; Understanding and Appraising a Business Plan, and Credit and Non-credit Risk Management (from the Branch Prospective). His training design and instructional skills have been honed on scores of training workshops conducted for such organizations as RMA, American Institute of Banking, National Bankers Association, Banking Skills Training and Consultancy (Vietnam), Omega Performance, and Egyptian Banking Institute.
Nate holds a Master of Business Administration from the Wharton School, with a concentration in international finance and management information science, and a Bachelor of Arts from Colgate University, with a major in philosophy.
Jeremy Denton-Clark
Director, GBRW Consulting/ Learning/ Expert Witness
Jeremy has been a Director and Company Secretary of GBRW Consultancy since 2000. He joined the GBRW group of companies after 32 years of experience as a professional commercial banker in the City of London, the last 8 years of which he was the Chief Executive Officer of a merchant bank.
Jeremy started his career in the foreign exchange department of Kleinwort Benson before moving on to the control of advances made by the French and Belgium branches of the National Westminster Bank. Moving back to London he joined for 13 years a bank owned by commercial banks in the United States, Scandinavia and Germany where he was appointed a Director and General Manager. Jeremy was then appointed the Chief Executive Officer of a merchant bank in London specialising in trade finance, private banking and lending to SMEs.
Jeremy has been a banking consultant for over 20 years and resident in Moscow, Bucharest and Zagreb on bank restructuring projects. He has delivered 52 consultancies in more than 20 countries. He is a specialist in corporate governance and organisation structure; development of a bank’s strategy and objectives; capital adequacy, funding and liquidity; risk management as well as lending to SMEs and mid-cap corporations including recovery of portfolios of NPLs and individual loans in default.
He has been a Non-Executive Director of a commercial bank in the Balkans for 4 years, an advisor to the CEO and Executive Board in a number of banks in developing markets and a trainer on technical banking topics in numerous countries.
Fergus Clark
Director, Financial Markets
Fergus is a Director, Financial Services with GBRW and has over 20 years of international banking and consulting experience. Fergus is a senior bank executive with proven expertise and a successful track record in Risk Management, Treasury and Programme Delivery.
He began his career with a number of high profile banks including HSBC Bank, Royal Bank of Scotland and Commonwealth Bank of Australia. His experience includes holding senior and advisory roles in Corporate and Structured Finance, Financial Markets, ESG, Policy and Risk Management disciplines.
Fergus joined GBRW in 2015 has more recently advised the CEO and board of a commercial bank on risk and capital issues. He also project managed NPL programs in 7 countries on behalf of the World Bank.
Fergus holds a Bachelor of Laws (Honours) and Bachelor of Business from the University of Technology Sydney. He is also a qualified solicitor, admitted in Ireland (EU), England & Wales and New South Wales (Australia). Fergus has practised law in Australia and England.
Fergus has worked across Australia, Azerbaijan, China, England, Hong Kong, Rwanda, Tajikistan and Vietnam.
Philippe Belot
Joint Managing Director, GBRW Consulting/ Learning
Philippe Belot has more than 30 years of banking experience, financing the corporate sector. In his last position in 2014-2017, he put in place and led as Managing Director the corporate lending activity of B&C PLC, a newly created merchant bank supervised by the Bank of England and focused on privately-owned SMEs.
Prior to B&C, Philippe was for 18 years Portfolio Manager and Senior Banker at the European Bank for Reconstruction and Development (EBRD). There, he carried out complex financing transactions and designed programmes destined to foster the development of SMEs and the private sector in Eastern Europe.
Philippe started his career in the corporate sector, with the finance departments of industrial groups, forming the groundwork of his subsequent banking roles. Philippe graduated in finance from HEC Paris, the leading European business school. His international profile has led him to operate in challenging environments in emerging markets and to manage culturally diverse teams. He speaks English, French and German, as well as Russian and Polish.