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This webinar will provide an overview of managing troubled debt restructurings (TDRs) from initial identification to ultimate resolution. The ideal resolution is for the borrower to improve to the extent that no financial difficulty is demonstrated, the loan can be rewritten at market terms, and it is no longer identified as a TDR. Join us to learn what is necessary before such action can be taken. You will also learn about many other TDR considerations, including determining the proper risk rating and accrual status, performing the impairment analysis, and charge-off requirements. In addition, this webinar will look ahead at what CECL (current expected credit loss model) means for how TDRs are considered in the allowance process, because CECL which will significantly change the ALLL process for all financial institutions.
HIGHLIGHTS
Keys to identifying TDRs and processes to ensure appropriate recognition of TDRs
Important accounting and regulatory guidance related to TDRs
How risk ratings, accrual status, and charge-offs should be determined for TDRs
What does the often-repeated statement “once a TDR, always a TDR” mean for financial institutions in 2017?
Proper impairment analysis and allowance estimation practices as they relate to TDRs
Insight on how institutions might handle TDRs under CECL
TAKE-AWAY TOOLKIT
List of important accounting and regulatory references for TDR rules
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Chief Credit Officers, lenders and staff responsible for credit administration, credit risk management, and accounting.
ABOUT THE PRESENTER – Tommy Troyer, Young & Associates, Inc., Executive Vice President and manages the company’s lending division. In addition to presenting webinars and seminars, he contributes to capital planning, strategic planning, and other management consulting services. He also focuses on topics related to credit risk management, and assists clients with loan reviews, ALLL reviews, credit process reviews, and other lending-related services. Tommy joined Young & Associates, Inc. from the Bank Supervision Group at the Federal Reserve Bank of New York, where he focused on credit risk management practices at supervised institutions. His work focused on the ALLL, stress testing, and risk monitoring and reporting practices. Prior to his time in bank supervision, Tommy worked in the Federal Reserve Bank of New York’s Research Group. Tommy holds a Bachelor’s in Economics from Wittenberg University.
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