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- How are inflation and rising interest rates impacting borrowers and banks since the expiry of stimulus and moratoriums?
- What new government and central bank interventions, if any, can be expected as the pandemic continues?
- As more people migrate to the Southeast, what impact will this have on the local banking ecosystem?
- What is the outlook for auto loans, student loans, household debt etc.? What trends do you see around subprime origination? Which pose the biggest threats?
- Which building loans are most attractive at the moment? Which are being avoided?
- National trends in employment, new homes, labor vs. Florida and the Southeast. Which growth opportunities and challenges are unique to this region?
Mary Jo Heston
- What have the majority of your deals looked like in the past 6 months? Which asset classes and markets?
- To what degree have you seen real distressed opportunities in the past few months?
- How do you expect volume to change in the coming year?
- Regulatory changes coming down the pike and impact on business
- Which specific workout remedies are banks currently employing?
- When forbearance does not suffice, what are next steps to achieving a more complex workout?
- By region and sector, what does the outlook for special assets look like?
- How is demand changing for C&I vs. real estate vs. agricultural vs. auto and other loans? How have you adjusted your definition of “distressed” in each of these categories?
- What role does climate risk play in your portfolio management strategy?
- Which new risks will pose the greatest threats to your balance sheet?
- Are you getting personal guarantees?
- When a simple loan extension does not suffice, what are next steps to achieving a more comprehensive resolution? What was the tipping point issue?
- Underwriting the sponsor – has that become more important in the past year?
- What is deal flow like right now and how are you sourcing deals?
- What asset types are you buying and looking to buy? Which markets are you focused on for hospitality and retail transactions?
- What sectors present the best opportunities for long-term growth, and which are you steering clear of?
- Which risks will have the greatest impact on your buying/selling strategy?
- What kinds of pricing are you seeing for discounted sales?
- How do you negotiate with banks of varying size and reach? What unique challenges and opportunities does each type present?
- Are you partnering with non-bank lenders? Why or why not?
- What is the best deal you have bought into recently?
- How has the volume of litigation changed in the past year? Where are you targeting cases of distress?
- Understanding the costs and time associated with litigation. How much is this going to cost? How long is this going to take? How do I prepare for this?
- What non-litigious alternatives are available in various situations?
- When might litigation be necessary? What are the best and worst possible outcomes? How do you evaluate your potential litigator? How do you devise a strategy?
- When to settle and how to save face
- How do in-house counsel work with the Special Assets department to decide which outside counsel to retain?
- What happens when collection litigation or workouts transform into other disputes, counterclaims or lender liability cases?
Mary Jo Heston
- What does issuance look like in 2022 so far?
- What percentage of CMBS debt across asset classes and urban markets is in delinquency or special servicing?
- How is forbearance, default and discounted loan sales activity changing?
- In what ways have workout/modification strategies changed in the past year as the pandemic recovery has progressed? Which asset classes have seen most tolerance from lenders to working with borrowers?
- What impact is the remote/hybrid work trend having upon CMBS given office comprises a significant portion of the underlying collateral?
- How are properties with shorter leases being handled, in comparison?
- Which property types are best positioned for future CMBS originations?
- What does the auction market for distressed property notes look like?
- What liability issues do you expect to arise with auctions? Where are the next opportunities?
- How does the opportunity set compare for OREOs?
- What alternatives are there to distressed asset sales aside from auctions? Who are some of the most active players in distressed asset and note sales?
- Which important tax considerations are often overlooked in distressed asset transactions?
- What are keys to success in executing an online auction?
- What have you learned from deals that fell through? What are some recent successful deals you’ve done?
- What are the legal requirements for filing an involuntary bankruptcy and pre-filing considerations that need be vetted to properly assess the risks and rewards of this seldom-used strategy?
- What are the lesser-known tactics debtors may use to thwart an involuntary bankruptcy? What reputational issues could arise from a failed attempt, including potential sanctions?
- How can you best manage the creditor process? What methods are most effective at identifying and avoiding unintended consequences while the bankruptcy proceeding is pending?
- How has the outlook changed for receiverships as a workout remedy?
- Which asset classes and markets have been most significantly impacted in the past year?
- What are some of the lesser-known challenges and keys to success in executing receiverships?
- What questions should you be asking your receiver?
- What do all parties need to know about the initial receivership order, powers and authorities and reporting requirements to the court?
- Lessons learned from more complex or less successful receiverships?
Stephen P. Drobny
- What will the recovery look like for different hotel property types? Independents, brands, luxury, motels, resorts etc.
- What strategies are investors and lenders employing to find value in this environment?
- Which capital sources are most attractive right now for owners?
- How are terms changing for preferred equity, senior and mezzanine debt?
- Identifying and evaluating value-add opportunities in the hospitality sector
- How will short-term rentals impact the hotel industry moving forward?
- An update on hotel development and supply vs. demand dynamics in urban vs. suburban geos
- How has the health crisis changed the way hotels are going to be designed?
- What tech are you investing in and why? How do you anticipate tech will further impact how hotels do business in the next 2-3 years?
- When is a specialist turnaround manager necessary? How do you identify and hire one?
- Which markets are turnaround specialists most active in? Where has hiring increased? What is the average length of a workout?
- What needs to be on your checklist when vetting a specialist?
- For what types of workouts are turnaround specialists being hired?
- What have you learned from more challenging turnaround scenarios?
- How has SBA loan volume been trending in the past year?
- What are the unique challenges associated with SBA loan workouts?
- How are you evaluating loan applicants in today’s market?
- What impact will SBA rules have on your loan portfolios and risk management strategy?
- How may regulatory changes impact the outlook for SBA lending? What new risks are on the horizon?
- In what ways are you integrating and utilizing technology to better serve your borrowers?
- How to ensure that you get you recover your money with minimal issues
- Lessons learned from successful collections and how to avoid the cases that go wrong
- Which new technologies are changing the way in which collections and enforcement is managed?
- How can existing technologies be better utilized to gain the most efficiency within these processes?
- What strategies can be used to minimize collection costs? Which pitfalls should be avoided to sidestep unexpected costs? How can attorney fees be recovered?
- Understanding the requirements for post-judgement collection remedies in your state
- Which new risks are facing commercial real estate loans and what impact will this have on special servicing?
- How is the relationship changing between borrowers, lenders and servicers?
- To what extent have lenders shifted from forbearance, deferment, etc., to enforcement of remedies through foreclosure or loan sale?
- What creative workout scenarios are borrowers and lenders discussing? What is actually being agreed upon? What happens once the forbearances/seasonality reserves or other reserves run out?
- How does turnaround and workout activity vary by sector and geography? What do distressed asset owners need to know when considering a workout?
- What are your predictions for distressed deal flow and default rates? How is this informing your risk management strategy?
- What impact do federal income tax considerations have on the structure of a workout? How might this change with the new administration?
- What are smaller banks and credit unions doing to grow their books of business? Is M&A an appealing alternative in this environment?
- How are they appealing to Millennials? What sort of experience and service do they need to stay competitive?
- Community Banks may have more variety than Credit Unions, but how do they settle on their specialty? Does technology make it easier to remain profitable?
- What legal issues do community banks, regional banks and credit unions face that are not a consideration for larger banks?
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Euromoney Institutional Investor PLC (“Euromoney”, “we”, “us” or “our”) is an international business-information group covering asset management, price discovery, data and market intelligence, and banking and finance. The group also runs an extensive portfolio of events for the telecoms, financial and commodities markets.
For a full list of our brands and group companies, please click on this link. Euromoney and its group companies are committed to respecting the privacy of every person who visits, registers with or subscribes to our websites, publications, events and other products or services.
Euromoney is the primary data controller of personal data collected through this website or that we may collect in different ways as described in this Privacy Notice. If you are contacted by our other group companies, they will also be controllers of your personal data. This means that they are responsible for how your personal data is used, just as we are. You may contact any of these companies directly, or you can contact Euromoney by emailing email@example.com or writing to the Data Protection Officer at Euromoney Institutional Investor PLC, 8 Bouverie Street, London EC4Y 8AX, United Kingdom.
This Privacy Notice was updated on 23 May 2018
This Privacy Notice outlines the information we may collect about you in relation to your use of our products and services (“personal data”). It also explains the legal rights that you have in relation to your data and how you may exercise these rights.
Some of our group companies may collect and use personal data for different purposes; those companies have their own websites and privacy notices.
We will process your data for the following lawful purposes: with your consent; to fulfil our obligations to you; and where there is a legitimate interest to do so.
When possible, we rely on your consent to use your data for the purposes described in this Privacy Notice. We also process personal data to fulfil our contractual obligations to you, for example, when you register for any of our services, subscribe to a publication, sign-up for an event or purchase a product from us, we will need to process some of your personal data. This will also include details of the person/people responsible for payment (if different).
We may determine that processing your personal data serves both of our legitimate interests. This is the case in relation to many of our research, customer survey, sales, marketing and advertising activities described in this Privacy Notice. These activities allow us to better understand your requirements, which in turn enables us to provide you with a better service. We review the bases for our processing decisions carefully and you can object to these activities at any time (see the “Your Rights” section of this Privacy Notice).
Our primary goal in collecting personal data from you is to give you a relevant customised experience of our products and services.
Registration, Free Trials & Subscriptions
When you register with our website and/or sign up for a free trial of our products or services, we may ask you to provide your name, address, email address and telephone number, and details relevant to your occupation or employer.
If you subscribe to one of our products or services, we will also ask for payment details. Credit/debit card payments are processed using a third party supplier and we do not retain the credit card data (see the Third Party Sites of this Privacy Notice). Address details may be shared with third party service providers engaged by us for order fulfilment, delivery and payment collection. This personal data is used by us to complete subscription requests.
Events & Conferences
If you have registered for an event through a group website we may collect personal data including: name, job title, company, address, telephone number and email.
This information is necessary so that we can complete your registration for the event and provide you with relevant event materials.
We may also provide delegate details (e.g. name, email) to event sponsors who, subject to your consent, may contact you for their own advertising and marketing purposes.
Advertising & Marketing
We use the personal data you provide us and which we collect from you to inform you about similar products and services which we provide. We may send you marketing communications that are sponsored by our partners and which are targeted to your interests based on information you have provided us such as job title, employer and/or industry. If you have consented to receive information from other Euromoney group companies, we may share your personal data with these companies so that they can fulfil your request to receive marketing materials in accordance with your preferences. We will not share your personal data with any third parties for their own marketing purposes unless you have provided your consent.
Each of the Euromoney group companies that may contact you is a data controller in relation to the personal data that you have agreed to share with them. If you have any questions or concerns, you may contact the individual company, or us – using the contact details set out in the “Who We Are” section.
You can opt out from receiving such materials at any time.
The personal data we may use for advertising and marketing purposes includes your name, email address, job title, phone number, company name/employer, geo location, postal address and data collected using cookies and other similar technology (Please read our separate Cookies Policy to find out more about which cookies we use, how they work and how you can control your cookie options).
Marketing materials are sent electronically, by post and we may occasionally call you.
Online Targeted Advertising
We use targeted advertising on our websites to display advertisements that are relevant to what we believe are your interests. In order to deliver relevant advertisements, we use third parties to deliver cookies that collect information about your IP address and how you interact with our sites (e.g. browsing information, which articles you have read etc.). This data is used by the third parties to determine which advertisements may be of interest to you.
We may also share your personal data with third parties to deliver targeted advertising to you on other websites (e.g. Twitter Tailored Audiences or Facebook Custom Audiences). This could include your email address, cookie data, and information obtained from third parties. Third party cookies may also be used to enable us to target advertisements to you on other websites that you visit.
Lead Generation and Scoring
We occasionally use the services of trusted third parties in order to ensure that the personal data we use for advertising and marketing purposes is accurate and up-to-date. To do this, we transfer personal data of individual leads (such as name, email, job title, location and phone number) to these third parties who conduct research to verify the data – primarily against public information.
We also use algorithmic software technology to help us improve the quality and relevance of marketing activities. The personal data analysed by the software includes email address, phone number, job title, address, purchase history and account information. This allows us to provide meaningful offers that are relevant to your specific profile.
Surveys, Market Research & Customer Feedback
We want to understand the needs of our readers and customers. We may therefore use the information you provide us – including your name and contact details – to contact you to request your feedback, or to participate in our customer and market research.
Public forums, message boards and blogs
Some of the pages on our group websites may include message boards, blogs or other facilities for generating content from users. Any information that is disclosed in these areas becomes public information and you should always be careful when deciding to post any personal data. User generated content is also subject to our site Terms & Conditions.
Business or Asset Sale
If we sell a business or assets we may need to disclose your personal data to the prospective buyer of such business or assets.
If Euromoney, or any of our group companies is sold or sells our assets or is acquired by a third party, then personal data about our customers will be acquired by that third party. A transfer of your personal data in these circumstances would be necessary so that the services you have contracted for can still be delivered, or so that you can continue to enjoy the benefits of our free products and services. You will receive notice if a new controller assumes responsibility for your personal data.
Additional Third Party Disclosures
We may disclose your personal data to other third parties in the following situations:
- To third party partners who help us by providing services such as technology, marketing, advisory or other services. These third parties only receive encrypted data and may only process personal data to provide those services to us.
- Where we are required by law or regulation to do so. In each case we will seek, where practicable, to minimise the amount of data that is disclosed.
- If required to protect the rights and interests of other users and/or Euromoney and its affiliates (including our employees, agents and contractors), or as otherwise set out in our Terms & Conditions. This may include exchanging information with other companies and organisations for the purposes of fraud protection.
We may include small pixel tags (small image files) within the emails we send you in order to determine whether our emails are opened and/or whether the hyperlinks inside our emails are clicked through. We may also collect browser, location and the device used to engage with our email communications. This information allows us to better understand whether we are meeting our users’ needs and how we can improve our communications. No other information is collected. You can opt out of receiving our direct marketing emails either by following the instructions in each email, or by contacting us (see the “Who We Are” section of this Privacy Notice).
Some of the Euromoney group companies are based outside the European Economic Area (EEA). If you have consented to being contacted by our group companies, then the transfer of your personal data will be made according to the terms of an international data sharing agreement that contains obligations approved by European data protection regulators. Any of our group companies that receive your personal data will be co-controllers of that data, which means they may determine how they process your personal data – although they may only use it for the purposes for which it was shared, unless you are informed of new or additional processing activities.
We may also transfer personal data to third party service providers as described in this Privacy Notice which are located outside the EEA. Where we conduct these transfers, we take all steps necessary to ensure that your data is treated securely and in accordance with applicable privacy legislation, either by only sending your personal data to jurisdictions that provide an adequate degree of legal protection for your data or by imposing approved contractual terms on these third parties.
We have a data retention policy that ensures we don’t use or store your personal data for longer than necessary. We consider the following issues to determine retention periods:
- Guidance from the UK Information Commissioner or other regulatory agency, or industry best practice recommendations;
- The business rationale for collection and expiry of the purpose for which personal data was collected;
- Our ongoing ability to ensure the accuracy of the data; and
- Legal and regulatory requirements.
We may occasionally need to keep personal data for either shorter or longer periods than specified in our retention policy. In such circumstances, application of the retention period to the data will be temporarily suspended. The suspension of an applicable retention period will be carried out in a manner that respects the rights and interests of all persons concerned.
You can use our Preference Centre to select the topics that are of interest to you so that we can send you publications and information about our products and services that are especially relevant to you. You can also choose the channels we use to contact you (email, phone, post, etc.) and can also opt-out of receiving marketing communications.
You have certain rights in relation to your personal data which include the following:
Access & Portability
You may request access to any personal data of yours for which Euromoney is responsible as controller. Unless there are legal or regulatory reasons for not doing so, we will confirm whether we process any of your personal data and if we do, we will provide you with the following information: the purposes of the processing, the categories of personal data, any recipients of your personal data, the applicable retention period and the data source. Copies of your personal data will be made available to you in a structured, machine-readable format.
You may also request that we transfer the personal data that you have submitted to us, to another controller, where it is technically feasible for us to do so.
If you have consented to our processing of your personal data, or if we are processing your personal data in order to fulfil our contractual obligations to you, then you can submit a request that we transfer your personal data to another data controller.
Rectification, Restriction, Objection
You have the right to request that Euromoney rectify any errors in the personal data that we process. In some circumstances, you may also be able to ask for the erasure of personal data, and/or request that the processing of your personal data be restricted. You may also object to the processing of your personal data for sales or marketing purposes.
How to Exercise Your Rights
To exercise any of these rights, please contact us by post or email at the following addresses:
Euromoney Institutional Investor PLC
8 Bouverie Street
London, EC4Y 8AX
Web form: Complete Subject Data Request Form
We may need to check your identity prior to processing a request.
Euromoney will do our best to respond to any questions and address any of your concerns. You are also able to register any complaints regarding the processing of your personal data directly with the UK Information Commissioner.
Euromoney is committed to keeping your personal data secure and we will take appropriate technical and organisational measures to protect your personal data from loss, unauthorised use, disclosure or destruction. Although we do our best to protect your personal data, we cannot guarantee that any transmission of data is without risk. We have therefore implemented information security policies and rules, staff training on information security, and technical measures to ensure the integrity of data that we have under our control.
All our employees, contractors and data processors (i.e. those third parties that process personal data on our behalf) are required to keep such data confidential and not to use it for any purpose other than the performance of services we have requested.
Our site may contain links to other websites – including, for example, providers of payment processing services. Euromoney is not responsible for the privacy and data collection practices of third party sites and we therefore recommend that you review the privacy policies and terms of service of each site you visit.
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