Certified Expert in npl Management & Investment

Frankfurt School of Finance & Management

How long?

  • 6 months
  • online

What are the topics?

Frankfurt School of Finance & Management


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Who should attend

Bank management and staff, financial supervisors, and investors who are working on developing a strategy for managing distressed loans and NPLs. All who need to develop a comprehensive understanding of recent regulations, and the institutions and legal context that will govern NPL management and debt restructuring. Consultants and other insolvency professionals will also benefit, as on the basis of this course they will command the strategic and regulatory framework that promotes the resolution of private sector debt distress.

About the course

Following the current recession caused by the COVID-19 outbreak, banks, regulators and investors will need to tackle record amounts of private sector debt, and a fresh wave of non-performing loans (NPLs). Once state support comes to an end, this could present an even more serious challenge for banks than in past crises, as the present recession extends across most sectors and economies.

This course will equip you with all necessary skills to manage private sector debt workouts and loan defaults. You will learn to recognise debt distress among households and enterprises, to design best-practice restructuring solutions that return borrowers to financial viability, and to navigate an insolvency process where this becomes inevitable.

Two different learning alternatives will be offered for this course:

  • The Regular Course
  • The Premium Course

Regular Package

The regular learning track will give you access to:

  • An interactive e-learning course made up of 10 learning units, including video lectures, PDF scripts, examples, practical exercises, online tests and case studies
  • A discussion forum for course related issues as well as for exchange of opinions and experiences with peers, tutors and the FSDF e-Campus team
  • Personalized support from your e-Campus team
  • Possibility to achieve a Frankfurt School certificate after passing the final exam or a confirmation of course completion after completing the course.

Premium Package

In addition to the material and discussion forum included in the Regular track, you will attend 8 live sessions moderated by the renowned lecturer, Dr Alexander Lehmann, as well as multiple expert guest expert speakers.

These live sessions will provide you with a deeper understanding of distressed loan resolution and recent market and regulatory trends. You will also have the opportunity to exchange ideas experts in the field and participate in highly informative and engaging discussions. Guest speakers include restructuring advisors, EU law firms, representatives from major European banks and EU central banks.

Course Content

A core part of the course will deal with hands-on restructuring techniques, which will be simulated through a number of numerical exercises and case studies. To provide context for restructuring techniques we will cover best-practice in bank-internal organisation, and recent trends in regulation, bank supervision and insolvency law. Restructuring episodes from Europe and emerging markets will be studied. Investment in NPL portfolios and distressed debt will be covered, as this present new opportunities in both regions. The economics of private sector debt distress and policies used to address such debt crises, will round off our programme.

At the end of the course you will be fluent in engaging with supervisors, other insolvency professionals and with investors in complex distressed situations. You will be in a position to negotiate for instance in a creditor committee, or to navigate the court system in an insolvency. These will be key skills for your organisation in the coming years.

Unit 1: Course introduction, and the context for NPLs and private sector debt

  • Private debt and NPLs after the COVID recession
  • The context for NPL restructuring

Unit 2: Debt distress: the early warning indicators

  • Arrears, default, and the NPL life cycle
  • Corporate debt distress: setting up an early warning system
  • Household over-indebtedness
  • Descriptive portfolio statistics to track arrears
  • Pre-default corrective action plans and loan forbearance
  • State-sponsored borrower relief measures

Unit 3: Impairment and defaults: regulation and accounting practice

  • Why bank asset quality definitions vary so widely
  • Reporting problem loans
  • Standards in the EU
  • The accounting framework: IFRS and expected credit losses
  • Integrating three perspectives on bad loans and flexibility in a recession

Unit 4: Supervision and NPL management

  • Why supervisors care: high NPL banks are weak banks
  • The response from supervisors: NPL guidelines from the ECB and European Banking Authority
  • Best practice: the ECB guidance to banks on non-performing loans

Unit 5: Policies and institutions in NPL crisis

  • Past debt crises in Asia and Europe
  • Lessons from past crises
  • Asset management companies
  • Rules for state aid to banks
  • Asset transfers and bank resolution

Unit 6: Insolvency regimes and asset recovery

  • How the insolvency regime shapes creditor rights
  • Elements of effective insolvency regimes
  • Assessing insolvency regimes in practice
  • Pre-insolvency restructuring in Europe

Unit 7: Out-of-court workouts

  • The path to the out-of-court workout
  • Organising multi-creditor workouts
  • The restructuring plan
  • Deciding between alternative options

Unit 8: Case studies of corporate restructuring and insolvency

  • Case study no. 1: timely restructuring
  • Case study no. 2: multi-creditor restructuring of a hotel group
  • Case study no. 3: multi-creditor restructuring of an SME
  • Case study no. 4: bankruptcy of an unviable company

Unit 9: Restructuring household loans and arrears management

  • Household over-indebtedness
  • The bank’s rights in a personal insolvency
  • Mortgage restructuring and borrower protection
  • Arrears management and responsible collections
  • Efficient and targeted arrears management

Unit 10: Loan sales and securitisations

  • Loan sales in the workout strategy
  • The secondary loans markets in Europe and emerging markets
  • The regulation of loan transfers and external servicing
  • The distressed asset transfer process
  • NPL securitisations


Alexander Lehmann

Dr. Alexander Lehmann is a non-resident fellow at Bruegel, Europe’s top-rated economic policy think tank, and an advisor to a number of central banks and the Asian Development Bank. He has regularly lectured in executive and graduate courses, most recently as adjunct professor at the Berlin-based...

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Certified Expert in npl Management & Investment at Frankfurt School of Finance & Management

From  EUR 1 550$1,895
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