I spoke too soon. It should be triggered by an underflow in the tens column.
Or it should be triggered by the occurrence of a 9 (binary 1001) in the tens column.
Or maybe a '0', then you must add some kind of delay.
Expect to need a logic gate or two. To achieve a delay, can be done with the help of a capacitor, plus a resistor plus a logic gate.
To load '0101', you would connect each 'data load' pin to either the supply or ground terminal. The value will be loaded when the trigger signal is applied to a particular pin on the 74190.
Here is a thread in another message board, discussing the problem. Similar threads are listed at the bottom of the page.
https://www.electro-tech-online.com/threads/74190-up-down-decade-counter-help.38104/