求助财务管理外文文献的翻译，下列词组求高手赐教
Recovery At Default
Recovery Upon Emergence
loan  charged-off officer opportunity cost
loan losses recovered
recoveries at default
自己涉猎甚少，翻译的比较不合学术措辞，求大家帮助，谢谢大家了，翻译一个或全部都行，谢谢大家的热心，感激不尽。