Excuse our absence. I have updated the recorded webinar on the TDR Tool Kit page. There has been updated content in the more recent webinars. We presented added case studies for workout scenarios on the loan modifications that fall into the "insignificant" category according the FASB regulations that may not need to be allocated as a Troubled Debt Restructure (TDR). It has been a benefit for those in Collections. If a borrower misses a payment, you can easily calculate a higher payment for say, 2,3 or maybe 5 months to catch up and get back on track. Go to the Tool Kit page and click on the link to watch the recorded webinar. Email me at mmollica@TimeValue.com with any questions. Thanks for viewing.

Troubled Debt Restructuring Webinar coming up April 5

To Register for this Free TDR Webinar Click Here

"Handling Troubled Debt Restructurings (TDRs), Net Present Value (NPV) and Allowance for Loan Losses (ALL) Calculations, Accretion Adjustments, and Alternative Deal Restructurings all subject to ASC 310 (FAS 114 )."

This webinar is designed to help credit unions, banks, accounting firms, along with the NCUA and FDIC, recognize how easily these TDR calculations can be managed so you can make a positive impact on the bottom line

By understanding the following details, you can become proactive with your TDRs and know the impact before you do the deal:
- Computing Complex Net Present Value (NPV) Calculations
- Determining the Allowance for Loan Losses (ALL)
- Minimizing loan losses with strategic deal restructurings
- Accretion methods for the Allowance for Loan Loss
- Understanding the effects of 5 key "What If" calculations for TDRs including rate reductions, balloons, interest only payments, interest rate step, extending the term.

You can also go to our website at http://www.timevalue.com/products/tvalue/tdrs.aspx for more info and to register. 

Call with any questions at 800-426-4741 and ask for Markus.

Up-to-date troubled debt restructuring (TDR) Proposed Rules.

With all of the changes and confusion with regard to troubled debt restructuring (TDR), here is a recently Proposed Rule by the NCUA. Not exactly a quick read over coffee but a good reference nonetheless.

Loan Workouts and Nonaccrual Policy, and Regulatory Reporting of Troubled Debt Restructured Loans

A Proposed Rule by the National Credit Union Administration on 02/01/2012