Course Instructor
Nate Dickerson
Director, GBRW Consulting/ Learning
Nate Dickerson, Director of Credit Risk Management has been a GBRW Principle Consultant, since 2012. Nate enjoyed a 13-year career at The Chase Manhattan Bank, which included such responsibilities as domestic and international debt restructuring, credit administration, and relationship management. While at Chase Nate also assumed a managerial position in Chase’s Credit Training Program, where he taught credit risk management to associates and customers of the Bank, as well as developed training materials and case studies. Following his banking career, Nate co-founded the Dickerson Knight Group, Inc., (DKG), management consulting firm that provides consulting and training services in the U.S. and internationally.
Nate has been engaged as a consultant for over twenty-five years providing advisory and capacity building (training) services in more than 20 countries within the Asia, Caribbean and Central America, Europe and Central Asia, North Africa and Middle East, North America, and Sub Saharan Africa regions. Advisory services have focused on problem loan management, enterprise restructuring, corporate governance, credit risk management, loan assessment, institutional and industry assessments, and 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.
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Course Modules
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1. defining problem loans and assessing their cost on institution’s soundness and reputation
- Costs of Problem Loans
- Problem Loans and Their Impact on an Institution’s Operations, Soundness and Reputation
- Defining Characteristics of Problem Loans
- How Banks Get into Trouble
- Objectives of Problem Loan Management
- Preventing Problem Loans
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2. causes of problem loans and early detection
- Major Causes of Problem Loans
- Profiles of Problem Companies
- Early Detection
- Early Warning Signs
- Information Needs and Information Gathering
- The Role and Importance of the Interview and Monitoring Process
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3. analyzing and solving the problem loan
- Analysing the Problem (Big Picture)
- Analysis of (Management, Financials and Strategy)
- Solving the Problem
- Situation Analysis
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4. developing the plan to improve the bank’s position
- Preliminary Considerations
- Stages or Steps (Typical/Possible) to Payout
- Anticipating the Possible Stages to Payout
- Discounting as an appropriate alternative
- Preparing a Wish List
- Assessing Your Strengths and Weaknesses
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5. fundamentals of loan restructuring
- Fundamental Concepts of Loan Structuring and Restructuring
- Purpose of the Workout
- Liquidating Collateral
- Reviewing Collateral and Ensuring Perfection
- Fundamentals of Bankruptcy
- Resolving and/or Restructuring Problem Loans
- Negotiating a Loan Restructuring
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6. administering problem loans and policies and procedures
- Preventing Loans (Four Ps of Prevention)
- Strengthening Problem Credit Administration
- Preventing Problem Loans
- Prioritizing Tasks Involved in Managing a Problem Loan Portfolio
- Considerations when Developing a Workout Department
- Good Bank vs. Bad Bank Case Study