In this episode, Mike Vesel dives into loan modifications and how they may surface during the economic cycle by discussing troubled debt restructurings (TDR’s) and their history with Lee Christensen and Brett Schwantes. While many institutions have not had to deal with TDR’s recently, or at least since the Great Recession, the economy is moving on a path where it is crucial to prepare for their reemergence - this episode is meant to serve as a brief refresher.