Agenda

Sep 16, 2026
3:00 pm - 4:30 pm EST

Many agricultural borrowers are entering another renewal cycle with reduced liquidity, accumulated operating debt, and far less ability to absorb another disappointing year. A strong collateral position may provide time, but it does not correct inadequate repayment capacity. Agricultural lenders must be able to distinguish a temporary setback from a structural financial problem — and then make timely, well-supported decisions about renewal, restructuring, risk-rating changes, additional advances, or exit.

This practical webinar will examine the critical decisions lenders face when an agricultural credit begins to deteriorate. We will discuss how to identify and quantify carryover debt, evaluate working-capital erosion, test realistic repayment capacity, and determine whether terming out operating debt provides a workable solution or merely postpones a larger problem. Participants will also learn how to develop and monitor effective restructuring plans, recognize when a plan is failing, and manage controlled or forced exit strategies when continued financing is no longer appropriate.

Because successful workouts depend on more than financial analysis, the program will also address communication as a core credit-risk function. Participants will learn how to establish financial reality, define the repayment gap, require a specific corrective plan, set measurable expectations, and conduct difficult conversations without becoming either unnecessarily adversarial or overly accommodating. The objective is not simply to manage troubled loans — it is to intervene earlier, maintain control of the credit, reduce avoidable losses, and improve outcomes for both the financial institution and the borrower.

Topics

KEY WEBINAR TAKEAWAYS:

• How to identify emerging financial deterioration, carryover operating debt, working-capital erosion, and other warning signs before a borrower becomes delinquent
• Evaluating whether an operating line should be renewed, modified, termed out, restructured, downgraded, or moved toward an orderly exit
• How to develop restructuring strategies based on realistic repayment capacity, total borrower debt, collateral support, and measurable operational changes
• Conducting difficult borrower conversations that improve information quality, establish accountability, and support timely credit decisions

Speaker(s)

Robert L. Viering
RiverPointUSA LLC & RegVizion LLC

Bob is the principal of RiverPointUSA LLC, a national consulting and training firm dedicated to helping community banks and credit unions strengthen credit risk management, strategic planning, and sustainable growth. With over 40 years of experience in commercial banking, Bob brings expertise in C&I, CRE, and agricultural lending, as well as portfolio management, stress testing, CECL, liquidity, and capital planning.

Bob’s career includes roles as a de novo bank founder, CEO, Chief Lending Officer, regional credit officer, board member, and audit committee member. He has also served as an expert witness in state and federal courts. Bob is a past board member of state and national banking associations and a frequent speaker on banking topics across the country.

In addition to his work at RiverPointUSA, Bob co-founded RegVizion LLC, which develops AI-driven credit tools. Bob is also a founder of RegVizion LLC, developing AI-driven credit tools, and actively serves on the board of the Chicago Chapter of ProSight (formerly RMA) and is a member of their national Chapter Advisory Group.

Fees

Live Webinar - $279

• Unlimited connections for your institution
• Available on desktop, mobile & tablet
• Take-away toolkit
• Presenter’s contact info for questions

On-Demand Webinar - $279

• Unlimited & shareable access starting two business days after live stream
• Available on desktop, mobile & tablet devices 24/7
• Take-away toolkit
• Ability to download webinar video
• Presenter's contact info for questions

Live + On-Demand - $379

Get the best of both and save when you Bundle the Live & On-Demand Webinar registration! This option includes all the items listed above.

**100% surcharge applied to non-members.

Association Contact