About the Course
Effective NPL management requires a shift from reactive debt collection to a proactive, data-driven resolution strategy. Organizations today demand results they can prove through transparent reporting and measurable recovery metrics. To succeed in this field, you must demonstrate five core capabilities: precise classification of Special Mention Accounts (SMA), accurate collateral valuation under distressed conditions, mastery of IFRS 9 impairment modeling, negotiation of sustainable forbearance agreements, and the ability to execute secondary market portfolio sales. This course moves beyond theoretical credit risk to provide a structured system for managing distressed assets in real-world banking and microfinance environments.
The curriculum is designed to turn scattered recovery efforts into a high-performance resolution engine. You will learn to apply the Basel III framework for capital adequacy and practice hands-on impairment calculations using discounted cash flow (DCF) methodologies. Specifically, you will practice designing Early Warning Systems (EWS) and be introduced to the legal complexities of cross-border insolvency frameworks. This course teaches you how to balance aggressive recovery targets with long-term stakeholder value, ensuring your institution remains resilient against credit shocks. We acknowledge the real-world constraints you face, including limited data quality, complex regulatory burdens, and the challenge of adopting AI-assisted recovery tools, and provide the templates and roadmaps necessary to deliver results under these conditions.
Target Audience
This program is essential for professionals responsible for maintaining asset quality and institutional solvency in the financial services sector.
This course is designed for:
- Credit Risk Managers overseeing distressed asset portfolios
- NPL Resolution Specialists managing high-value recovery cases
- Bank Recovery Officers executing daily debt collection activities
- Financial Analysts calculating IFRS 9 impairment provisions
- Internal Auditors reviewing credit risk management compliance
- Relationship Managers handling Special Mention Account transitions
- Legal Counsel specializing in insolvency and debt restructuring
- Compliance Officers ensuring alignment with Basel III standards
- Asset Reconstruction Analysts valuing NPL portfolios for sale
- Chief Risk Officers reporting asset quality to leadership
Course Objectives
This course equips you to design, execute, and report NPL management initiatives that maximize recovery, ensure regulatory compliance, and support strategic liquidity goals.
By the end of this course, you'll be able to:
- Assess credit portfolio health using Asset Quality Review (AQR) standards
- Apply IFRS 9 Expected Credit Loss models to calculate impairments
- Design an Early Warning System (EWS) using predictive risk indicators
- Construct sustainable debt restructuring plans for corporate and retail borrowers
- Evaluate collateral value using distressed market haircut analysis techniques
- Navigate complex insolvency frameworks to optimize legal recovery outcomes
- Implement measurable NPL resolution targets using key performance indicators
- Synthesize recovery data into actionable reporting for executive stakeholders
Requirements & Prerequisites
Participants should have a foundational understanding of credit risk and basic financial accounting. Familiarity with Excel for financial modeling is recommended as the course involves impairment calculations. No prior experience in legal insolvency is required.
Professional and Organizational Impact
When you lead NPL management with credible data and practical strategies, you become a trusted driver of institutional stability and financial performance.
As a professional, you will benefit by:
- Building technical expertise in IFRS 9 impairment modeling
- Gaining confidence in negotiating complex debt restructuring agreements
- Strengthening your ability to manage high-stakes recovery portfolios
- Enhancing your credibility with regulators and senior leadership
- Developing data-driven skills for predictive credit risk monitoring
- Positioning yourself as a specialist in distressed asset resolution
- Expanding your career opportunities within global financial institutions
Organizations that embed NPL management excellence into their operations reduce credit losses, mitigate regulatory risks, and build lasting competitive advantage.
Your organization will benefit from:
- Reduced credit impairment charges through proactive resolution strategies
- Improved capital adequacy ratios aligned with Basel III requirements
- Enhanced recovery rates using standardized collateral liquidation workflows
- Strengthened regulatory compliance through transparent IFRS 9 reporting
- Minimized operational costs via automated early warning systems
- Better market positioning through improved asset quality ratings
- Increased institutional resilience against systemic macroeconomic credit shocks
Training Methodology
This is a practical, outcome-driven course designed to turn NPL management theory into measurable action and credible reporting.
Methodology includes:
- Hands-on impairment calculation exercise using an IFRS 9 ECL template
- Scenario simulation requiring restructuring decisions for a distressed corporate borrower
- Audit diagnostic using an Asset Quality Review (AQR) compliance checklist
- Stakeholder mapping exercise for complex multi-creditor insolvency proceedings
- Case study analysis from banking, microfinance, and retail lending sectors
- Group workshop producing a 12-month NPL resolution action plan
- Benchmarking exercise comparing institutional recovery rates against industry standards
Upcoming Sessions
Next available dates worldwide
Certification
Recognized credentials that advance your career
Participants who complete the Non-Performing Loans Management Training Program earn a Trainingcred Certificate of Achievement, demonstrating professional competence and alignment with global standards in learning and development.
NITA Accredited
Accredited by the National Industrial Training Authority, ensuring programs meet nationally recognized standards of quality and relevance.
CPD Certified
Recognized by the CPD Certification Service, ensuring every program meets internationally benchmarked standards of professional excellence.
Why this course earns its place on your CV
Accredited training, practitioner trainers, and peers on the same career track — the three things real expertise is built on.
Career Advancement
- Boost your resume with certified expertise in Loan Management.
- Empower your career trajectory with advanced NPL resolution skills.
- Elevate your professional profile in the banking sector.
Expert-Led Training
- Learn directly from financial industry leaders with decades of experience.
- Gain insights from real-world cases presented by top NPL professionals.
- Experience interactive sessions that bring theory to practical reality.
Practical Skills
- Master the strategies to reduce and manage non-performing loans effectively.
- Acquire hands-on skills through simulations based on actual NPL scenarios.
- Implement proven techniques immediately in your role to improve loan recovery.
Industry Tools and Platforms Featured in this Training
The platforms and vendors Mexico teams are running today — taught against real configurations, not generic vendor demos.
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SAS Credit Scoring SASUsed in credit risk analytics to score borrowers, flag deterioration early, and support collections prioritisation.
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Power BI MicrosoftUsed to build NPL dashboards, track delinquency roll rates, and monitor recovery performance.
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Oracle FLEXCUBE OracleUsed by banks to manage loan servicing, arrears monitoring, and write-off or restructuring workflows.























