Dates of Event & Pricing

$295 for Webinar and Playback*

*Playback has no expiration.

  • Thursday, July 23, 2020

  • 12:00 – 1:00 pm (Eastern Time)

  • 11:00 – 12:00 pm (Central Time)

  • 10:00 – 11:00 am (Mountain Time)

  • 9:00 – 10:00 am (Pacific Time)


As we reopen following COVID-19, we face the challenge of loan portfolio distress that will strike every lender, regardless of their initial underwriting and best efforts to generate and maintain quality earning assets.  Each lending entity must move forward with a strategy to not only address their problems, but direct their energies toward both the minimization of losses and the continuity and success of their customer base and market.

As the world begins its reset to the changes in behaviors, business, and the return to normalcy, every lender must face the challenges of identifying the problems within the loan portfolio that have been caused – and exacerbated – but the loss of wages, revenues, and income that are the result of the closure of the economy.  Among the most important challenges we all face is that of objectively and humanely identifying minimizing losses, while continuing to do business.

The goal of this presentation is to provide a framework for the segmentation of your existing loan portfolio based on behavioral and economic factors, to assist in identifying the difference between correctible problems and those which will ultimately result in losses.  With this objective focus, you can both free up your talent to direct their energies on the positives that will come with the recovery, and create solid and proactive action plans for those that present a higher risk profile.

With the guidance provided by the Regulatory agencies in facing your portfolio, and their recognition that problems caused by COVID – 19 may only be temporary, we will address the steps you need to take to make sure that your negotiations, modifications, and potential restructurings are NOT classified as TDR (Troubled Debt Restructuring).  Although problem loans will grow as a byproduct of the shutdown, you can’t lose sight of your institutional objectives to your communities, employees, and shareholders.

Attendees will learn how to:

  • Create a methodology for the identification and recognition of temporary vs. more permanent problems
  • Prioritize implementation and identification to enable effective and appropriate courses of action
  • Proactively and humanely work with your borrowers
  • Identify opportunities for growth
  • Objectively determine the best course of action on affected loans
  • Craft solutions that work for your borrowers and your institution in light of regulatory guidance
  • Free up your lending staff to generate business move forward


  • Mark Davis

    Mark Davis

    Founder - Credit and Lending Consultation Services

    Mark H. Davis retired from a traditional career in 2015, following 45 years as a Florida banker. Working his way through the industry with a start as a teller, became a senior lender and credit executive in Community, Regional, and National Banking organizations – with the last 15 years spent exclusively in Wealth Management. A skilled lender and trainer, his specialty is underwriting risk and creatively structuring solutions for borrowers. He was the senior credit officer for Wachovia Wealth Management (Palm Beach), and additionally served as the credit officer for the National Legal Specialty Group. His last role was the senior lender for Florida for BMO Private Bank, and he presently works on consulting engagements with high net worth individuals, businesses, and financial services providers. In addition to holding a CFP® certification, he has served as a Commissioner on the Certified Financial Planner Board of Standards Disciplinary and Ethics Committee and was a Hearing Panel Chair on an Appeal Committee. An active Mentor and workshop facilitator for SCORE, he provides one on one guidance to small businesses and their owners. Mark is a graduate of the ABA Stonier Graduate School of Banking, the ABA Commercial Lending School, the ABA Consumer Lending School, and the Sheshunoff/School of Banking of the South Professional Master of Banking program. He attended both Florida State University and the University of Florida and is a graduate of Miami Dade State College. He has been an instructor in both internal and external lending and credit training programs at a number of financial institutions and both Edison State College and Palm Beach State College.


1.0 CPE Credits