Trinan specializes in commercial loan workouts and debt restructuring. They negotiate modifications to loan terms like interest rates, payment amounts, and maturity dates. Trinan has experience with many types of commercial loans. Their team of executives with banking experience lead each negotiation. Through industry relationships, they have a high success rate in resolving workouts.
Loan Workout 101 for Financial InstitutionsLibby Bierman
Ancin Cooley, founder and principal of Synergy Bank Consulting and Synergy Credit Union Consulting, will present on managing non-performing loans. Synergy provides risk management services to financial institutions. Cooley has over 10 years of experience, including as a regulatory examiner at the OCC. The presentation will cover warning signs of troubled loans, establishing transfer criteria to non-performing classifications, addressing documentation errors, using dunning letters, types of loan guarantees, analyzing and separating non-performing loans into groups, and assessing business problems and cash flow. The presentation is intended to help financial institutions better manage troubled and non-performing loans.
Ceo, Director and Officer Liabilities and the Risks of Being SuedKaufman & Canoles
This document discusses various types of liabilities and risks that CEOs, directors, and officers of organizations may face. It covers their basic roles and responsibilities, including standards of conduct around good faith, reasonable belief, and acting in the best interests of the organization. It also discusses defenses like the business judgment rule. The document notes increasing risks from regulations, litigation, cyber threats, and other influences. It provides examples of management liability insurance options and coverage types that can help protect personal assets from lawsuits.
Focus on Fair Lending... Tips to Avoid the TrapsE Andrew Keeney
This document provides an overview and summary of fair lending laws and best practices for avoiding fair lending violations. It discusses key laws like the Equal Credit Opportunity Act and penalties agencies like the CFPB and DOJ have issued for violations. The document also summarizes fair lending examination focus areas and provides tips for credit unions to implement like developing fair lending policies and monitoring for disparities in lending practices.
Business Borrowing Basics 2020 - Dealing With DefaultsFinancial Poise
Some borrowers default. One type of default is a payment default- the loan is not paid when due or a particular payment is missed. The other type of default is a covenant default. This webinar explains both, and discusses what happens when one happens.
To view the accompanying webinar, go to: https://www.financialpoise.com/financial-poise-webinars/dealing-with-defaults-2020/
Executive compensation continues its movement towards performance pay as the standard. Compensation structures and proxy disclosures are more and more complex. Investors and proxy advisors continue to increase influence on compensation issues. This webinar examines executive compensation, including equity-based compensation plans and executive employment and severance agreements. The importance of disclosure, alignment of risk, and metrics is also examined. Practical guidance on pay-for-performance and supplemental pay definitions is provided. The panelists discuss the effect of the Dodd-Frank Act on executive compensation, including SEC regulations. Exchange rules are compared to applicable federal law. Best practices regarding executive compensation committees and regulatory requirements for those committees are examined. Shareholder advisory groups promulgate executive compensation related advisory policies for their institutional shareholder clients annually and these policies are also discussed. Issues regarding board composition and leadership structure issues are discussed in relation to executive compensation.
To view the accompanying webinar, go to: https://www.financialpoise.com/financial-poise-webinars/executive-compensation-2021/
Ethical Considerations in Litigation FinanceLake Whillans
This document discusses the ethical considerations of litigation finance for lawyers. It addresses the primary ethical duties of lawyers, considerations at each stage of the litigation finance process, and how litigation finance can help lawyers and clients. The stages discussed include the decision to seek funding, the investment process, investment structures, and implementation through final judgment or settlement. Key ethical issues covered include maintaining professional independence, protecting confidential client information, ensuring structures comply with laws against champerty and usury, and not allowing third party financing to interfere with independent professional judgment.
Loan Workout 101 for Financial InstitutionsLibby Bierman
Ancin Cooley, founder and principal of Synergy Bank Consulting and Synergy Credit Union Consulting, will present on managing non-performing loans. Synergy provides risk management services to financial institutions. Cooley has over 10 years of experience, including as a regulatory examiner at the OCC. The presentation will cover warning signs of troubled loans, establishing transfer criteria to non-performing classifications, addressing documentation errors, using dunning letters, types of loan guarantees, analyzing and separating non-performing loans into groups, and assessing business problems and cash flow. The presentation is intended to help financial institutions better manage troubled and non-performing loans.
Ceo, Director and Officer Liabilities and the Risks of Being SuedKaufman & Canoles
This document discusses various types of liabilities and risks that CEOs, directors, and officers of organizations may face. It covers their basic roles and responsibilities, including standards of conduct around good faith, reasonable belief, and acting in the best interests of the organization. It also discusses defenses like the business judgment rule. The document notes increasing risks from regulations, litigation, cyber threats, and other influences. It provides examples of management liability insurance options and coverage types that can help protect personal assets from lawsuits.
Focus on Fair Lending... Tips to Avoid the TrapsE Andrew Keeney
This document provides an overview and summary of fair lending laws and best practices for avoiding fair lending violations. It discusses key laws like the Equal Credit Opportunity Act and penalties agencies like the CFPB and DOJ have issued for violations. The document also summarizes fair lending examination focus areas and provides tips for credit unions to implement like developing fair lending policies and monitoring for disparities in lending practices.
Business Borrowing Basics 2020 - Dealing With DefaultsFinancial Poise
Some borrowers default. One type of default is a payment default- the loan is not paid when due or a particular payment is missed. The other type of default is a covenant default. This webinar explains both, and discusses what happens when one happens.
To view the accompanying webinar, go to: https://www.financialpoise.com/financial-poise-webinars/dealing-with-defaults-2020/
Executive compensation continues its movement towards performance pay as the standard. Compensation structures and proxy disclosures are more and more complex. Investors and proxy advisors continue to increase influence on compensation issues. This webinar examines executive compensation, including equity-based compensation plans and executive employment and severance agreements. The importance of disclosure, alignment of risk, and metrics is also examined. Practical guidance on pay-for-performance and supplemental pay definitions is provided. The panelists discuss the effect of the Dodd-Frank Act on executive compensation, including SEC regulations. Exchange rules are compared to applicable federal law. Best practices regarding executive compensation committees and regulatory requirements for those committees are examined. Shareholder advisory groups promulgate executive compensation related advisory policies for their institutional shareholder clients annually and these policies are also discussed. Issues regarding board composition and leadership structure issues are discussed in relation to executive compensation.
To view the accompanying webinar, go to: https://www.financialpoise.com/financial-poise-webinars/executive-compensation-2021/
Ethical Considerations in Litigation FinanceLake Whillans
This document discusses the ethical considerations of litigation finance for lawyers. It addresses the primary ethical duties of lawyers, considerations at each stage of the litigation finance process, and how litigation finance can help lawyers and clients. The stages discussed include the decision to seek funding, the investment process, investment structures, and implementation through final judgment or settlement. Key ethical issues covered include maintaining professional independence, protecting confidential client information, ensuring structures comply with laws against champerty and usury, and not allowing third party financing to interfere with independent professional judgment.
Creditor\'s Rights and Bankruptcy Issues in Real Estate Lawterigrasmussen
Discusses how creditors should deal with a recently filed case, the automatic stay, leasing, use and sale of assets, and nonbankruptcy remedies available to creditors, including receiverships, foreclosures, creditors\' bill, charging order, and assignments for the benefit of creditors
Woloshin Investment Management, LLC is a registered investment advisor. Registration of an investment advisor does not imply any level of skill or training. The oral and written communications of an advisor provide you with information about which you determine to hire or retain an advisor.
Defending Against Bankruptcy Avoidance Actions (Series: COMPLEX FINANCIAL LIT...Financial Poise
In the event of a bankruptcy, the debtor or trustee may opt to take legal action in order to recover money or property that was transferred by the debtor prior to going bankrupt. These actions, whereby such transfers are effectively reversed, are referred to as “avoidance actions.” In this webinar, the expert panel discusses the applicable provisions of the Bankruptcy Code, common avoidance actions, and key considerations when planning for and defending against these actions.
To view the accompanying webinar, go to: https://www.financialpoise.com/financialpoisewebinars/on_demand_webinars/defending-against-bankruptcy-avoidance-actions-2/
Dodd-Frank Compliance and Technology Summer Meeting 2013Jeffrey C.Y. Li
The document discusses Dodd-Frank compliance requirements and challenges for financial institutions. It outlines four levels of compliance that a company called CPS II can provide, including archiving communications, capturing trade data, securely storing records, and reporting to agencies. It also discusses the compliance discovery, planning, and processing services CPS II offers. The document emphasizes that Dodd-Frank compliance requires appropriate technology, and penalties for non-compliance are severe. It advises financial institutions to learn requirements, identify deadlines, budget for solutions, and prepare to work with technology providers.
Agreeing to convene lisa hix - september 2013 aencJovita Mask
This document summarizes key points about negotiating event contracts. It discusses common pitfalls to avoid in hotel contracts, such as attrition fees and damage calculations. It also covers convention center agreements, ensuring flexibility for labor disputes. Other meeting contracts like exhibitor and speaker agreements require attention to cancellation terms, ownership of materials, and intellectual property use. The overall advice is to thoroughly read all documents, understand negotiable provisions, and be willing to consider alternatives.
The CFPB has published revisions to the TILA and RESPA mortgage regulations in response to changes mandated by the Dodd-Frank Act. The revisions are known as the TILA/RESPA Integrated Disclosures, or TRID. Learn all about the changes by reading through these slides brought to you by Academy Mortgage Corporation
The document provides an overview of municipal bonds, including:
- It defines what a bond is and the main types of bonds.
- It describes the typical players involved in a bond deal, such as the issuer, bond counsel, financial advisor, underwriter, and trustee.
- It outlines common bond features like fixed vs. variable rates, call options, credit ratings, and pricing considerations.
- It also gives a high-level overview of the bond issuance process.
Air date: Sept. 25, 2018
Recording at http://www.mhmcpa.com
Lease accounting underwent a major revision with the issuance of the Financial Accounting Standards Board’s Accounting Standards Update 2016-02, Leases (Topic 842). The update made adjustments to lessee and lessor accounting. This course will discuss the changes and the challenges in implementation as well as the frequently asked questions of professionals concerning the changes.
The document discusses different options available to distressed debtors including bankruptcies, out-of-court workouts and liquidations, and assignments for the benefit of creditors. It provides details on the advantages and disadvantages of each option from the perspectives of both debtors and creditors. Key factors in determining the best option include the debtor's situation, ability to repay debts, and maintaining business relationships.
The mortgage modification mediation program in the Northern District of Florida has had positive results for debtor clients who previously failed to get modifications in state court. The program follows procedures similar to those successfully used in the Orlando division. While the current procedures are working well, the program could be improved by exploring uniform statewide procedures in some areas. Communication between debtors and lenders has improved due to the program's strict timelines for lenders, leading to higher rates of modification approval. However, some issues remain such as lenders not always timely designating representatives and questions around lien priority after loan modifications.
The document provides an overview of the new integrated mortgage disclosure rules issued by the CFPB that combine early TILA disclosures and the GFE into a Loan Estimate form and combine the HUD-1 and final TILA disclosures into a Closing Disclosure form. Key points include: the Loan Estimate must be provided within 3 business days of application and the Closing Disclosure must be provided 3 business days before closing; tolerances allow for some cost variations between estimates and closing; implementation of the new rules will require significant changes and is effective August 1, 2015.
Negotiating and Drafting Cash Collateral/DIP Financing Orders (Series: Bankru...Financial Poise
Every company needs access to cash to fund its operations. Companies in bankruptcy are no different. But how should a company planning to enter bankruptcy approach this issue if all of its cash is tied up by a secured lender? What will a bankruptcy judge say when the company asks her permission to use cash on terms presented by its lender? How should lenders, debtors, and creditors approach negotiations over the terms of a cash collateral order or debtor-in-possession (DIP) financing agreement? For 2021, professionals must also understand the impact that the economic programs enacted under the CARES Act may have on the use of cash by a commercial debtor during its case. This webinar focuses on answering these questions for advanced business reorganization practitioners and advisors from the perspective of all parties to a negotiation, as well as addressing best practices in drafting, negotiating, and presenting cash collateral and DIP financing orders in complex reorganization proceedings.
To view the accompanying webinar, go to: https://www.financialpoise.com/financial-poise-webinars/negotiating-and-drafting-cash-collateral-dip-financing-orders-2021/
Mezzanine debt fills the gap between senior debt and equity for companies. It allows companies to access more capital at a lower cost than equity alone. Using mezzanine debt along with senior debt can reduce the amount of equity needed for projects like acquisitions or expansions. This improves returns for equity holders. Mezzanine lenders typically target returns around 20% and their investments provide stable financing over the long term.
The document discusses contract finance facilities, which provide credit to contractors to execute awarded contracts. Key points include:
- Contract finance facilities are secured by an underlying contract between a contractor and contractee. The facility amount is based on the contract value and bill of quantities, and is intended to be self-liquidating from contract proceeds.
- The contractor must provide 30% equity contribution. Repayment comes from domiciling contract proceeds to the bank.
- Risks include the contractee not paying, the contractor not performing, and funds being diverted. Risks are mitigated by assessing the contractee and contractor's creditworthiness and payment history, contract collateral, and ensuring disbursements are
This document discusses using clustering analysis on a bank's commercial vehicle loan portfolio to gain insights and solve business problems. The analysis used data on 1092 customers from a single branch to form 4 clusters. Cluster 1, containing 499 customers with average loans of $1.5k and 82% collection, should be targeted for promotional offers. Cluster 2, with average loans of $7.55k and 45 months in arrears, should be prioritized for collection efforts. The successful clustering approach could potentially be applied across the bank's national portfolio.
Commercial Loan Workout & Advisory Asante Asset Grouptreyt81
This document provides information about commercial loan workout and advisory services. It discusses obtaining loan modifications such as interest-only payments, extended amortization schedules, and deferred or reduced mortgage payments. The document notes that commercial property owners experiencing financial difficulties due to the economic downturn are candidates for loan restructuring. It claims the service can help properties become cash flow positive again and reduce interest rates and debt levels at no upfront cost if monthly payments are lowered.
This document provides an overview of a webinar on stress testing results presented by Jon Winick of Clark Street Capital and Mike Lubansky of Sageworks. It includes information on the speakers, an agenda that covers stress testing concepts and applications, interpreting results, and asset sale considerations. There are also examples of stress test outputs, including capital ratios under Basel III. The discussion focuses on using stress tests to identify and manage risks, as well as options for adjusting loan portfolios in response to stress testing results beyond curtailing new originations.
The study examined credit risk and management in Nigeria Commercial Banks. From the findings it
is concluded that banks profitability is inversely influenced by the levels of loans and advances, non-performing
loans and deposits thereby exposing them to great risk of illiquidity and distress. Therefore, management need
to be cautious in setting up a credit policy that will not negatively affects profitability and also they need to
know how credit policy affects the operation of their banks to ensure judicious utilization of deposits and
maximization of profit. Improper credit risk management reduce the bank profitability, affects the quality of its
assets and increase loan losses and non-performing loan which may eventually lead to financial distress. CBN
for policy purposes should regularly assess the lending attitudes of commercial banks. One direct way is to
assess the degree of credit crunch by isolating the impact of supply side of loan from the demand side taking
into account the opinion of the firms about banks’ lending attitude.
Creditor\'s Rights and Bankruptcy Issues in Real Estate Lawterigrasmussen
Discusses how creditors should deal with a recently filed case, the automatic stay, leasing, use and sale of assets, and nonbankruptcy remedies available to creditors, including receiverships, foreclosures, creditors\' bill, charging order, and assignments for the benefit of creditors
Woloshin Investment Management, LLC is a registered investment advisor. Registration of an investment advisor does not imply any level of skill or training. The oral and written communications of an advisor provide you with information about which you determine to hire or retain an advisor.
Defending Against Bankruptcy Avoidance Actions (Series: COMPLEX FINANCIAL LIT...Financial Poise
In the event of a bankruptcy, the debtor or trustee may opt to take legal action in order to recover money or property that was transferred by the debtor prior to going bankrupt. These actions, whereby such transfers are effectively reversed, are referred to as “avoidance actions.” In this webinar, the expert panel discusses the applicable provisions of the Bankruptcy Code, common avoidance actions, and key considerations when planning for and defending against these actions.
To view the accompanying webinar, go to: https://www.financialpoise.com/financialpoisewebinars/on_demand_webinars/defending-against-bankruptcy-avoidance-actions-2/
Dodd-Frank Compliance and Technology Summer Meeting 2013Jeffrey C.Y. Li
The document discusses Dodd-Frank compliance requirements and challenges for financial institutions. It outlines four levels of compliance that a company called CPS II can provide, including archiving communications, capturing trade data, securely storing records, and reporting to agencies. It also discusses the compliance discovery, planning, and processing services CPS II offers. The document emphasizes that Dodd-Frank compliance requires appropriate technology, and penalties for non-compliance are severe. It advises financial institutions to learn requirements, identify deadlines, budget for solutions, and prepare to work with technology providers.
Agreeing to convene lisa hix - september 2013 aencJovita Mask
This document summarizes key points about negotiating event contracts. It discusses common pitfalls to avoid in hotel contracts, such as attrition fees and damage calculations. It also covers convention center agreements, ensuring flexibility for labor disputes. Other meeting contracts like exhibitor and speaker agreements require attention to cancellation terms, ownership of materials, and intellectual property use. The overall advice is to thoroughly read all documents, understand negotiable provisions, and be willing to consider alternatives.
The CFPB has published revisions to the TILA and RESPA mortgage regulations in response to changes mandated by the Dodd-Frank Act. The revisions are known as the TILA/RESPA Integrated Disclosures, or TRID. Learn all about the changes by reading through these slides brought to you by Academy Mortgage Corporation
The document provides an overview of municipal bonds, including:
- It defines what a bond is and the main types of bonds.
- It describes the typical players involved in a bond deal, such as the issuer, bond counsel, financial advisor, underwriter, and trustee.
- It outlines common bond features like fixed vs. variable rates, call options, credit ratings, and pricing considerations.
- It also gives a high-level overview of the bond issuance process.
Air date: Sept. 25, 2018
Recording at http://www.mhmcpa.com
Lease accounting underwent a major revision with the issuance of the Financial Accounting Standards Board’s Accounting Standards Update 2016-02, Leases (Topic 842). The update made adjustments to lessee and lessor accounting. This course will discuss the changes and the challenges in implementation as well as the frequently asked questions of professionals concerning the changes.
The document discusses different options available to distressed debtors including bankruptcies, out-of-court workouts and liquidations, and assignments for the benefit of creditors. It provides details on the advantages and disadvantages of each option from the perspectives of both debtors and creditors. Key factors in determining the best option include the debtor's situation, ability to repay debts, and maintaining business relationships.
The mortgage modification mediation program in the Northern District of Florida has had positive results for debtor clients who previously failed to get modifications in state court. The program follows procedures similar to those successfully used in the Orlando division. While the current procedures are working well, the program could be improved by exploring uniform statewide procedures in some areas. Communication between debtors and lenders has improved due to the program's strict timelines for lenders, leading to higher rates of modification approval. However, some issues remain such as lenders not always timely designating representatives and questions around lien priority after loan modifications.
The document provides an overview of the new integrated mortgage disclosure rules issued by the CFPB that combine early TILA disclosures and the GFE into a Loan Estimate form and combine the HUD-1 and final TILA disclosures into a Closing Disclosure form. Key points include: the Loan Estimate must be provided within 3 business days of application and the Closing Disclosure must be provided 3 business days before closing; tolerances allow for some cost variations between estimates and closing; implementation of the new rules will require significant changes and is effective August 1, 2015.
Negotiating and Drafting Cash Collateral/DIP Financing Orders (Series: Bankru...Financial Poise
Every company needs access to cash to fund its operations. Companies in bankruptcy are no different. But how should a company planning to enter bankruptcy approach this issue if all of its cash is tied up by a secured lender? What will a bankruptcy judge say when the company asks her permission to use cash on terms presented by its lender? How should lenders, debtors, and creditors approach negotiations over the terms of a cash collateral order or debtor-in-possession (DIP) financing agreement? For 2021, professionals must also understand the impact that the economic programs enacted under the CARES Act may have on the use of cash by a commercial debtor during its case. This webinar focuses on answering these questions for advanced business reorganization practitioners and advisors from the perspective of all parties to a negotiation, as well as addressing best practices in drafting, negotiating, and presenting cash collateral and DIP financing orders in complex reorganization proceedings.
To view the accompanying webinar, go to: https://www.financialpoise.com/financial-poise-webinars/negotiating-and-drafting-cash-collateral-dip-financing-orders-2021/
Mezzanine debt fills the gap between senior debt and equity for companies. It allows companies to access more capital at a lower cost than equity alone. Using mezzanine debt along with senior debt can reduce the amount of equity needed for projects like acquisitions or expansions. This improves returns for equity holders. Mezzanine lenders typically target returns around 20% and their investments provide stable financing over the long term.
The document discusses contract finance facilities, which provide credit to contractors to execute awarded contracts. Key points include:
- Contract finance facilities are secured by an underlying contract between a contractor and contractee. The facility amount is based on the contract value and bill of quantities, and is intended to be self-liquidating from contract proceeds.
- The contractor must provide 30% equity contribution. Repayment comes from domiciling contract proceeds to the bank.
- Risks include the contractee not paying, the contractor not performing, and funds being diverted. Risks are mitigated by assessing the contractee and contractor's creditworthiness and payment history, contract collateral, and ensuring disbursements are
This document discusses using clustering analysis on a bank's commercial vehicle loan portfolio to gain insights and solve business problems. The analysis used data on 1092 customers from a single branch to form 4 clusters. Cluster 1, containing 499 customers with average loans of $1.5k and 82% collection, should be targeted for promotional offers. Cluster 2, with average loans of $7.55k and 45 months in arrears, should be prioritized for collection efforts. The successful clustering approach could potentially be applied across the bank's national portfolio.
Commercial Loan Workout & Advisory Asante Asset Grouptreyt81
This document provides information about commercial loan workout and advisory services. It discusses obtaining loan modifications such as interest-only payments, extended amortization schedules, and deferred or reduced mortgage payments. The document notes that commercial property owners experiencing financial difficulties due to the economic downturn are candidates for loan restructuring. It claims the service can help properties become cash flow positive again and reduce interest rates and debt levels at no upfront cost if monthly payments are lowered.
This document provides an overview of a webinar on stress testing results presented by Jon Winick of Clark Street Capital and Mike Lubansky of Sageworks. It includes information on the speakers, an agenda that covers stress testing concepts and applications, interpreting results, and asset sale considerations. There are also examples of stress test outputs, including capital ratios under Basel III. The discussion focuses on using stress tests to identify and manage risks, as well as options for adjusting loan portfolios in response to stress testing results beyond curtailing new originations.
The study examined credit risk and management in Nigeria Commercial Banks. From the findings it
is concluded that banks profitability is inversely influenced by the levels of loans and advances, non-performing
loans and deposits thereby exposing them to great risk of illiquidity and distress. Therefore, management need
to be cautious in setting up a credit policy that will not negatively affects profitability and also they need to
know how credit policy affects the operation of their banks to ensure judicious utilization of deposits and
maximization of profit. Improper credit risk management reduce the bank profitability, affects the quality of its
assets and increase loan losses and non-performing loan which may eventually lead to financial distress. CBN
for policy purposes should regularly assess the lending attitudes of commercial banks. One direct way is to
assess the degree of credit crunch by isolating the impact of supply side of loan from the demand side taking
into account the opinion of the firms about banks’ lending attitude.
This document provides an overview of the credit rating process. It begins by defining a credit rating as a grade that summarizes an entity's willingness and ability to repay obligations. It then discusses the major credit rating agencies and why credit ratings are important for increasing investor acceptance and lowering borrowing costs. The rest of the document outlines the various types of ratings and terminologies used. It then describes the key factors analyzed in the rating process, including industry risk, market position, earnings performance, cash flows, management evaluation, capital structure, and corporate governance. The rating process itself involves initial documents, rating presentations, committee review, and ongoing surveillance.
The document discusses various aspects of credit risk and risk management in banks. It covers topics like the different types of credit risk, obstacles in credit risk management, methods to reduce credit risks, credit derivatives, securitization process, Basel accords, asset-liability management, capital adequacy ratio, and interest rate risk.
In this article how risk management in banks is an important concept, what type of risks banks faces and how they curb it through risk management model is described
This document provides an overview and copyright information for the book "Risk Management in Banking" by Joel Bessis. It discusses the rationale for risk-based practices in banking, including the need for quantified risk measures to balance risk and return from a management perspective and comply with increasingly stringent regulations. It also notes that while quantitative models provide a foundation for risk modeling, bridging the gap between concepts and practical risk management tools and processes for banks remained a challenge. The document contains basic publication details such as the publisher, copyright, and cataloguing information.
This document discusses risk management in banks. It outlines the major types of risks banks face: credit risk, market risk, and operational risk. Credit risk is the potential that a bank borrower fails to meet obligations and can take the form of outright default or deterioration in credit quality. Market risk includes liquidity risk, interest rate risk, foreign exchange risk, and country risk due to fluctuations in market values. Operational risk is the risk of loss from inadequate internal processes or systems. The Basel Accords provide capital adequacy guidelines for banks to manage unexpected losses from risks based on their risk profiles. Risk management in banks involves identifying, measuring, monitoring, and controlling various risks to ensure sufficient capital levels are maintained.
Safeguard your lending program by learning about the 8 steps of credit risk management. Learn about nonfinancial risks, structuring the loan, and more.
Peregrine Falcon Consultancy provides specialized outsourcing services including loan administration, management consultancy, financial consultancy, recovery and bankruptcy services, and legal services. It consists of professionals with experience in fields like accounting, engineering, law, and management. The company aims to be a single window solution for clients' outsourcing needs and emphasizes outstanding client services and cost effectiveness.
The document introduces Wealth Guidance Group and Raymond James, outlining their commitment to clients, team, process, and capabilities. It discusses planning for retirement and wealth protection, and highlights Raymond James' resources and advantages, including their focus on individual investors, size and stability, and account protection. The presentation aims to determine if a relationship would be mutually beneficial.
The document introduces Wealth Guidance Group and Raymond James, outlining their commitment to clients, team, process, and capabilities. They aim to determine if a relationship would be mutually beneficial by understanding the client's needs and designing customized solutions using Raymond James' extensive resources and independent platform. Raymond James focuses on individual investors, has full resources as a large firm, and maintains a culture of independence to serve clients' best interests.
The document discusses creating a professional alliance between an independent professional and Morgan Stanley Smith Barney to enhance services for clients. Through the alliance, clients gain access to Morgan Stanley Smith Barney's comprehensive wealth management strategies. The independent professional can expand services, leverage Morgan Stanley's expertise, and earn recurring revenue from investment advisory fees. The alliance involves applying, due diligence, registering if needed, signing a contract, and providing disclosure documents to clients.
Foresight provides bespoke financial planning solutions tailored to each client. They take time to understand clients and manage their finances professionally on an ongoing basis. Foresight uses a rigorous 6-stage financial planning process called The Quantum Programme to develop clear, innovative solutions for clients. They ensure clients' financial plans are monitored regularly and updated to meet changing needs.
Hunter Wise Presentation for Corporate Finance Advisory ServicesRalph Liu
Hunter Wise Financial Group is a leading middle-market investment banking firm that provides corporate finance and M&A advisory services to middle market companies. It has over 40 professionals across 12 domestic offices and 1 international office. Hunter Wise has decades of experience in managing over 1,000 M&A transactions for companies up to $200 million in revenue. The firm focuses on serving companies with strong earnings of over $2 million and can offer clients direct access to capital sources for transactions.
Belleair Wealth Strategies provides financial planning and investment management services. They use a team-based approach to understand clients' goals and design customized solutions. As part of Raymond James, they have access to extensive resources like research, asset management, and specialists in areas like retirement and business planning. Their process involves understanding the client, designing a plan, implementing it, and ongoing management. They aim to help clients achieve their goals through a commitment to the client's interests and the discipline of their process.
The document discusses various financial planning strategies and solutions for corporate executives, who face unique challenges in managing their personal finances due to issues like stock options, company stock concentrations, and trading restrictions. Raymond James financial advisors have expertise in strategies like stock option planning, restricted stock sales, affiliate transaction plans, and cash management solutions that can help executives balance personal and corporate financial objectives and achieve their long-term goals. Their consultative process involves evaluating each client's individual circumstances to develop a customized plan.
Do you need to secure financing? Do you need to improve profitability? Do you need to protect wealth?
Financing decisions can become competitive advantages or disadvantages for a company and chances and risks for their owners. A suitable capital and wealth structure to reach your objectives requires business and financial planning, cash flow modeling, risk-management, legal structuring, and adequate finance sources.
RNM & Associates is a over 50-year-old corporate finance firm that provides services including mergers and acquisitions advisory, debt syndication, private placements, and corporate valuations. As a member of Geneva Group International, a global network of professional firms, RNM has experience facilitating cross-border transactions. Some of RNM's recent transactions include advising on the acquisition of a hotel and arranging debt financing for real estate projects. The firm follows a multi-step process when providing M&A advisory services to thoroughly evaluate deals and maximize client value.
Deborah Harris is seeking a management position. She has experience in real estate sales, starting and operating two businesses, and working in mortgage compliance and bankruptcy billing at Wells Fargo. Her qualifications include strong communication, organization, and analytical skills as well as experience developing training programs and marketing plans. She holds a Bachelor's degree in Business Administration and volunteers in her community.
AAM Property Group is a commercial property investment specialist that focuses on acquiring income-producing properties. It manages investments for a range of clients through various structures, including individual mandates for large investments of $10m-$100m+ and collective investment funds for smaller investors. AAM has a team of experienced commercial property experts who conduct thorough due diligence and asset management. The company aims to identify well-located properties that will deliver positive returns through capital appreciation and rental income.
Newmark Grubb Knight Frank is a global commercial real estate services firm with over 12,000 professionals in 330 offices worldwide. They provide tenant advisory services exclusively representing industrial users in Southern California. Their team has over 95 years of combined experience in industrial real estate and provides a full platform of services from evaluating operations to negotiating transactions while avoiding conflicts of interest by not representing landlords. Their process involves comprehensive analysis of a client's operations and requirements to develop strategies for reducing costs, increasing efficiencies, and mitigating risks through real estate solutions.
Sentinel Property Group Corporate ProfileMike Walters
Sentinel Property Group is a property company established in 2015 that offers a one-stop solution for property owners and seekers. It has partnered with various experts to provide multi-disciplinary services for disposals and acquisitions. Sentinel believes pricing assets correctly, exposing them to the right audience, and employing incentivized professionals leads to successful disposals. For acquisitions, it offers a confidential and transparent partnership. The company's process involves assessing needs, approving strategies, engaging partners, and completing deals. Sentinel aims to save time and money for clients while unlocking property value through tailored solutions and industry-leading success rates.
This document provides information about Spicerhaart Corporate Sales and the various property management services they offer. They have a dedicated team that specializes in repossessions, part-exchanges, relocation schemes, and quick sale schemes. Key services include refreshed marketing strategies for aged properties, interest-only portfolio management to identify repayment shortfalls, commercial asset management with bespoke exit strategies, assisted voluntary sales as an alternative to repossession, drive-by valuations, and specialist services for quick purchase organizations.
Noorul Hoda has over 6 years of experience in capital markets, specifically in corporate action processing, reconciliation, and settlement. She is currently a Senior Associate at IGATE Corporation, where she processes mandatory and voluntary corporate actions for Swiss Bank. Previously, she worked at Tata Consultancy Services for Deutsche Bank, performing cash and position reconciliation, securities processing, and regulatory reporting. She holds an MBA in Finance from Magnus School of Business and a BBM in Finance from New Horizon College.
TMI4080_TMI Wealth Management Brochure AW V3 FOR WEB SinglesMichelle Rennie
Thomas Miller Investment is an independent wealth management firm that provides financial planning and investment management services. They offer full financial reviews, retirement planning, tax planning, and discretionary portfolio management. Their advisors follow a rigorous five-step process of analyzing clients' needs, providing tailored advice and solutions, and reviewing plans periodically to ensure goals are met.
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2. Commercial Loan Modification and
Debt Restructuring Advisory Service
As a real estate services firm, Trinan specializes in providing structured
capital and loan advisory solutions for its clientele throughout the real
estate cycle. In today’s economic environment, an important piece
of these advisory services is as a client advocate in commercial loan
workouts. Trinan is adept in negotiating workouts to loan covenants
for all types of commercial loans, including construction, bridge and
CMBS. Through an established network of relationships with leading
lenders, servicers and special servicers nationwide, Trinan brings a
reputation for service and deliverability to every transaction.
Each negotiation is led by a senior member of Trinan’s executive board,
which consists of former banking and loan servicing executives. By
only engaging in negotiations with senior-level executives at the
lender or servicer level, Trinan is guaranteed a high degree of efficiency
throughout the process. These tactical strategies, combined with
Trinan’s prominent reputation and industry experience, afford Trinan
and its clients a high rate of successful workout resolutions.
3. Our Preservation Objectives
With our experience in capital structures and real estate
services, Trinan understands the unique intricacies of
every asset. We also understand the tremendous work
involved in acquiring a commercial asset and the personal
distress that comes with losing a property. That is why
our objectives in all workout resolutions are centered on
preservation:
Preservation of the Asset – Trinan works to keep the
ownership of every asset in the hands of our clients.
Preservation of Capital – Trinan is focused on workout
resolutions that help preserve our client’s capital.
Preservation of Credit – In situations where the debt is
attached to a client’s personal or business credit, Trinan
is focused on helping our clients maintain the best credit
rating possible.
Preservation of Reputation – Lastly, Trinan’s efforts are
directed at aiding our client’s in preserving their reputation
as a professional property owner.
4. A Systematic Path to Success
Through our experience with commercial loan workouts, Trinan has developed a systematic path that allows for a predictable process with a high
propensity for success. Each workout travels the following steps:
1. Analytic Analysis – Our process commences with a thorough 6. The Gold Book – Once final approval is granted on the workout
evaluation of the asset. Our analysts input all pertinent financial strategy, Trinan drafts a Letter of Hardship on the asset, adjusts the
information including the rent roll, and profit and loss calculations financial modeling to reflect the strategy, drafts a Reorganization Plan,
into our proprietary modeling worksheets. and prepares the Request for a Workout Resolution. These documents
along with the information from the Silver Report become the Gold
2. Asset Due Diligence – Simultaneous to the Analytic Analysis, our Report. The Gold Report is presented to the lender/servicer.
real estate team begins the compilation of market intelligence and
due diligence specific to the asset. Information like market rents, per 7. Negotiations – Trinan has a strong reputation with most of the
foot sales prices, vacancy rates, absorption rates, and lease terms for commercial lenders, servicers, and special servicers nationally. We
comparable properties are gathered. Additionally, property specific are well versed in the negotiations tactics that garner positive results.
documents including the Deed of Trust and Note are compiled. Additionally, Trinan recognizes stalling techniques used by many
asset managers and the steps necessary to rectify them. Our team
3. The Bronze Report – The Analytic Analysis combined with the Asset works diligently to pursue the best workout agreement in the most
Due Diligence is merged to create our Bronze Report on the asset. expeditious time frame.
4. Round Table Strategy Session – Once the Bronze Report has been 8. Agreement in Principle – The end of formal negotiations with the
created, our senior management team meets for a Round Table asset manager is signaled with an Agreement in Principle on workout
Strategy Session. During this meeting the asset information is terms. A successful workout may include extended periods of interest
poured over and discussed to determine the best possible outcomes only payments in lieu of principle and interest, partial or temporary
for a workout with the lender/servicer. Once the management team forbearance, restructured terms, waiver of accumulated fees and
reaches consensus on the most realistic and advantageous workout penalties, discounted payoffs, or deed in lieu of foreclosure.
scenario, the recommendation is formalized with a letter.
9. Finalization of Documents – The lender’s/servicer’s counsel in
5. The Silver Book – At this time, Trinan schedules a conference call conjunction with our client’s counsel draft the workout documents.
with the asset owner to present our findings and recommendations.
The due diligence from the Bronze Report in tandem with the 10. Closing – Upon execution of the workout documents by all necessary
recommendation letter from the Round Table Strategy Session is parties, the new terms of the loan take effect.
merged to form the Silver Book. The Silver Book is presented to the
asset owner for review and approval for Trinan to move forward with
the workout.
5. Our Executive Team
Kevin D. Barr - Director of Capital Structures
Mr. Barr is the acting Chief Executive Officer of Trinan. Mr. Barr has over 18 years of capital, real
estate, and securities experience. Beginning his securities career in 1991, Mr. Barr worked for a
diverse group of prominent Wall Street brokerage houses. During his earlier career, Mr. Barr served
as an investment advisor to high net worth individuals where he built a large client portfolio
containing primarily executive officers from leading Fortune 500 companies and large institutions.
Mr. Barr rapidly ascended from investment advising into corporate finance and applied his abilities
to raising capital for corporations, hedge funds, unit investment trusts, and real estate investment
trusts through private placements and initial public offerings.
Mr. Barr transitioned to Trinan in early 2001, where he successfully built Trinan’s structured finance
division by repositioning it within the capital markets. By utilizing established relationships with
firms including JP Morgan, Credit Suisse, Goldman Sachs, and other global financial institutions, Mr.
Barr successfully structured billions of dollars in capital with Trinan. He possesses vast experience
with all loan structures in both securitized and unsecuritized platforms. His knowledge of these
structures combined with his distinguished reputation with the country’s largest banking institutions
make Mr. Barr an unrivaled force in the negotiation and closing of commercial loan modifications.
As Chief Executive Officer, Mr. Barr has utilized his immense talents of anticipating economic
movements to effectively place Trinan’s clients ahead of the market curve. Mr. Barr possesses
extensive experience in acquisition/disposition real estate, structured capital, note acquisition,
equity placement, and commercial development
6. Our Executive Team
Adam S. Field - Director of Real Estate
Mr. Field is the acting President of Trinan. Mr. Field has over 11 years of executive real estate and
capital experience. Mr. Field built his career in commercial real estate services within institutional
services and possesses extensive experience in numerous aspects of real estate including
commercial sales of all property types, full services leasing in all markets, and capital structures.
Mr. Field has vast experience in several property categories including retail, office, industrial,
multifamily, mixed-use, and raw land.
Within Trinan, Mr. Field initiates and manages aggressive rehabilitation strategies for clients
centered on the restructuring of capital and real property assets. Mr. Field utilizes his knowledge of
real estate markets to prepare modification requests and negotiate workout resolutions for Trinan
clients across the United States. His primary role is to provide market intelligence, reorganization
strategies, leasing and sales analytics, and property assessments in a collaborative effort with related
divisions at Trinan to ensure the highest rate of success for clientele in resolution negotiations.
Mr. Field received his Bachelor of Science in Business Marketing from Arizona State University in
1997. At Arizona State he served as the College of Business Senator in the Associated Students of
Arizona State University as well as the Vice President of Philanthropies for the Arizona State chapter
of the American Marketing Association.
7. Our Executive Team
Rusty A. Fleming - Legal Counsel
Mr. Fleming is the founding member of The Fleming Firm – a corporate and real estate law firm
located in the Atlanta, Georgia metropolitan area. Over the course of his career, Rusty has handled
a variety of corporate and real estate matters for individuals, real estate developers, private
equity funds and regional and national lenders. He has closed hundreds of asset-backed loan
transactions, including acquisition and development loans, permanent commercial real estate
loans, including CMBS transactions, term loan credit facilities, working capital revolving credit
facilities and mezzanine financing. More recently, drawing upon his experience representing
borrowers and lenders with CMBS and similar loan transactions, Rusty has focused on assisting
owners of distressed assets negotiate loan modifications and develop workout strategies, while
helping these clients avoid potential “recourse” pitfalls which could trigger personal liability of so-
called “carveout” guarantors.
Mr. Fleming is a graduate of Cumberland School of Law at Samford University where he served
as Editor-in-Chief of the Cumberland Law Review. While at Samford University, Mr. Fleming also
received a Master of Business Administration from the Brock School of Business. After law school,
Mr. Fleming had the honor and privilege of serving as a federal law clerk to Chief Judge James D.
Todd in the United States District Court for the Western District of Tennessee. He then entered into
private practice in Jackson, Mississippi with the firm Watkins Ludlam Winter & Stennis, P.A. In 2005,
Rusty joined Winstead, P.C. in Dallas, Texas. In 2007, he returned joined Morris, Manning & Martin,
LLP in Atlanta, Georgia where he practiced until establishing The Fleming Firm.
8. Case Study
Property: Class-A, Multi-Tenant Retail Center
168,079 Square Feet
cs
Kohl’s Anchored
Lender: Credit Suisse
Original Loan: $40,000,000.00
5 Year Term | I/O | 2.75% + 1 Month LIBOR case study
Loan Type: Bridge, CDO, Non-Recourse
Status: Performing
Modified Terms: Write down of principle to $32,500,000.00
Take-out loan with two participating banks procured
Synopsis: Trinan had represented the borrower on the original debt. We
became aware that Credit Suisse was having a difficult time moving
the loan off of their books. Trinan approached the borrower with
the suggestion that they reacquire the debt from Credit Suisse at a
discounted price. After several negotiating sessions, Trinan was able
to reduce the balance by $7,500,000.00 under the agreement that the
borrower would pay off the remaining balance. Trinan secured take-
out financing for the borrower allowing the transaction to close.
9. Case Study
Property: Class-A, Multi-Tenant Retail Center
14,484 Square Feet
cs
No Anchor
Lender: Credit Suisse
Original Loan: $5,150,000.00 Senior
$500,000.00 Mezzanine case study
5.78% | 30 Year Am | 10 Year Term | 2 Year I/O
Loan Type: Permanent, CMBS, Non-Recourse
Status: Non-Performing (Default)
Modified Terms: Mezzanine Forgiven
Write down of principle on Senior to $2,670,000.00
4.5% | 30 Year Am | 4 Year Term | I/O
Non-Recourse
Synopsis: Due to market conditions, the borrower was struggling to keep the
center viable. They had missed payments for 8 consecutive months
and were facing foreclosure. The center had high vacancies, tenants
were making late rental payments, and a portion of the building had
been destroyed in a fire. Trinan began negotiations with Credit Suisse
in an effort to reduce the borrower’s monthly obligation on the debt.
During the negotiations, the debt was sold to a private institution.
Trinan continued the negotiations with the new lender. Trinan was
able to reduce the original principle balance by $2,980,000.00, extend
the I/O period by 2 years, and reduce the interest rate by 1.28%.
10. Case Study
Property: Class-A, Multi-Tenant Office Building
52,000 Square Feet
cs
60% Owner Occupied
Original Loan: $5,700,000.00
7.2% | 30 Year Am | 5 Year Term
Loan Type: Permanent, Bank, Recourse case study
Status: Non-Performing (In-Foreclosure)
Scenario: 1 Year of Non-payments
$600,000.00 past due balance
Trustee Sale date was set
Modified Terms: Deed in Lieu of Foreclosure
Full Release of Deficiency Potentially Estimated at $1,500,000.00
Lease Back from Lender at Below Market Rents
Synopsis: The borrower was also the largest occupant of the building. The
economic environment had caused rising vacancies in the building
and the borrower’s business income had been severely impacted. The
borrower had missed an entire year of loan payments and was facing
foreclosure and a large deficiency. Trinan successfully negotiated a
Deed in Lieu of Foreclosure, a full release of deficiency, and a lease
back of the space at below market rents allowing the borrower to
continue normal business operations.
11. Case Study
Property: Class-A, Multi-Tenant Retail Center
80,000 Square Feet
cs
No Anchor, High Profile Location
Original Loan: $18,000,000.00 Balance
5.76% | 30 Year Am
Loan Type: Permanent, CMBS Securitized, Non-Recourse case study
Status: Non-Performing (In-Foreclosure)
Modified Terms: Write Down of Principle to $8,000,000.00
Cash from borrower of $2,000,000.00
New Loan Balance $6,000,000.00
12 Month Forbearance of Payments
Non-Recourse
Synopsis: The borrower had purchased the project from the developer prior
to lease-up. After the closing, the retail economy began to falter
dramatically. The borrower was struggling to lease the available
space; and to further compound the issue, tenants in place were
renegotiating their terms or going dark overnight. The borrower
began missing loan payments and was facing foreclosure. Trinan
began consultation with the borrower and determined that the
market value of the property was far below the $18,000,000.00 loan
balance. Through strategic negotiations, the Special Servicer agreed
to reduce the principle balance owed to $8,000,000.00. They required
a cash payment of $2,000,000.00 and approved 1 year forbearance on
the remaining $6,000,000.00 loan balance. The financing remained
non-recourse.
12. Case Study
Property: Class-A, Multi-Tenant Retail Center
14,822 Square Feet
cs
No Anchor, High Profile Location
Original Loan: $4,700,000.00
6.28% | 30 Year Am
Type: Permanent, CMBS, Non-Recourse case study
Status: Non-Performing (Default)
Modified Terms: $4,700,000.00
5% I/O for 1 Year
After 12 Months, Revert back to 6.28% | Fully Amortized
Synopsis: Over a 12 month period the borrower had lost 40% of their tenants
and had renegotiated lease terms with several remaining tenants. The
property was no longer cash flowing and the borrower was not able to
cover the shortfall. Trinan began negotiations with the special servicer
in place. The special servicer agreed to reduce the interest rate on the
loan by 1.28% for a twelve month period while simultaneously moving
the payment to an I/O. We were able to defer the past due balance to
loan maturity or upon pay-off. The 12 month reduction would allow
ample time for the landlord to lease-up the center and begin cash
flowing without incurring excessive loan penalties or foreclosure.
7373 East Doubletree Ranch Road, Suite 200
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