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Special Asset Management

Mastering strategies for non-performing loans & complex credit situations. In today’s volatile economic climate, the number of non-performing loans and corporate bankruptcies is rising steadily. Navigating these high-risk situations requires sharp insight, a structured approach, and the ability to balance financial and legal considerations.

The Special Asset Management Course from 3Masters is designed for professionals managing distressed assets, offering hands-on strategies for problem loan handling, borrower engagement, and risk mitigation.

In the Netherlands, Special Asset Management is referred to as “Bijzonder Beheer”. This department within financial institutions focuses on managing clients and loans that are experiencing financial difficulties, with the goal of restoring financial health or minimizing losses.

Are conflicting interests between banks and borrowers inevitable? Or can mutual goals be identified even in times of financial stress? In this comprehensive course, you’ll learn to approach Special Asset Management with a strategic mindset – backed by practical tools, real-world case studies, and scenario planning techniques.

This course is ideal for professionals working in credit recovery, distressed debt management, and corporate lending environments, particularly those looking to improve outcomes in complex financial situations.

What you will learn:
✅ How to execute a structured Special Asset Management process
✅ Ways to collaborate effectively with borrowers to restore financial health
✅ Legal considerations and risks in Special Asset Management loans
✅ Strategies for avoiding enforcement through sound analysis and planning
✅ How to communicate findings in clear, concise credit reports
✅ Understanding insolvency procedures and working with trustees

Course Program Overview:

📌 Module 1: Fundamentals of Special Asset Management
• Introduction to the Special Asset Management lifecycle
• Understanding bank vs. borrower dynamics
• Key legal frameworks and risk indicators

📌 Module 2: Problem & Financial Analysis
• Conducting a structured business and financial analysis
• Determining the bank’s position
• Tools for effective risk identification and mitigation

📌 Module 3: Scenario Planning & Strategic Decision-Making
• Scenario-based thinking: Recovery, restructuring, or enforcement?
• Working with distressed clients: building dialogue and solutions
• Strategy development and communication

📌 Module 4: Reporting, Enforcement & Insolvency
• Drafting concise, decision-ready credit reports
• Preparing for enforcement: what to expect from insolvency proceedings
• Collaborating with insolvency trustees and legal professionals

Each session includes real-life case studies, group discussions, and actionable assignments.
The Special Asset Management training is based on the realization of a high-quality problem analysis. This is done through a thorough business and financial analysis, including the determination of the bank’s position.

By the end of the course, participants will be able to:

• Conduct a high-quality problem analysis using both business and financial data
• Formulate effective strategies tailored to borrower-specific scenarios
• Clearly map out credit risk, financial position, and turnaround potential
• Draft and present credit reports that are clear, concise, and action-oriented
• Understand the legal trajectory of enforcement and work constructively with insolvency trustees

This course is highly interactive and encourages participants to bring in real-life challenges, fostering practical learning and peer discussion. You will leave equipped with tools you can apply immediately in your role.

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Any questions?

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Frequently Asked Questions

In Dutch or English.

The trainers at 3Masters work within the field of the training. They are specialists who engage with the training content daily. At 3Masters, we believe it is important that trainers have extensive experience and are enthusiastic about sharing their knowledge with participants.

Together with our trainers, we aim for an optimal trainer-to-participant ratio. Therefore, we work with training groups of approximately 12 participants, ensuring a good balance between experience, knowledge, and skills.

The training sessions can be organized both in-company and virtually. Together with the client, we determine what works best for the participants. Everything is possible, and our trainers are flexible.

The timing of the training will be determined in consultation with the client. Morning, afternoon, and evening sessions are all possible.

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