Course description
Loan structuring is simply designing the loan to fulfill the financing requirements of the borrower while simultaneously attempting to protect the lender against loss resulting from the failure of the borrower to repay the debt and the interest and fees thereon.
Loan structuring involves several elements, including purpose, amount, collateral and type of loan, risk recognition and mitigation, pricing, and financial covenants. All of these elements must work for both the borrower and the lender within the two definitions above.
Loan & Transaction Structuring Masterclass Training Courseaimed at mid-level corporate bankers, analysts, product and client servicing and support teams wanting to gain an understanding of how credit assessment, loan structuring, cash flow analysis and loan covenants can be used effectively to ensure corporate client borrowing needs are matched and serviced by the appropriate bank loan facility.
Participants are not expected to be lending experts but a basic understanding of bank lending products and some lending exposures would be helpful.
Upcoming start dates
Upcoming start dates
Suitability - Who should attend?
Loan & Transaction Structuring Masterclass Training Course, is ideal for:
- Financial decision makers in corporations
- Bank credit officers
- Compliance officers
- Investment bankers
- Management consultants
- Bond credit analysts
- Fund managers
- Treasurers
Outcome / Qualification etc.
At the end of the Loan & Transaction Structuring Masterclass Training Course, you will be able to:
- dentify the key elements of credit risk
- Understand the working capital cycle of a business
- Measure, quantify and evaluate the actual borrowing needs of the client (lend them what they need as opposed to what they want or think they need).
- Assess the risk of lending the client what they actually need
- Understand the difference between short, medium and long term loans and the risk profiles
- Analyse the cash flows – the source of our repayment over the length of the loan
- Select the most appropriate lending structure
- Decide whether security is required
- Select appropriate documentation and loan covenants to manage the loan
- Learn how ongoing management of the loan is vital
- Be clear that the practice of “following the bank’s money” must always be implemented
Training Course Content
Day 1
- Introduction To Credit Risk
- Lending Refresher – overview
Day 2
Lending Refresher – overview
Day 3
The Working Capital Cycle
Day 4
- The Basic Principles of Lending
- Establishing the borrower's actual needs
Day 5
- Introduction to Credit Risk Strategy
- The different lending maturities
Day 6
Understanding cash flows
Day 7
Introduction to Lending structures
Day 8
Bank security
Day 9
Loan Documentation
Day 10
Following Our Money
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London Premier Centre
London Premier Centre is a UK leading training provider based in London and specialises in international short courses. Our inspiring, comprehensive portfolio of more than 400 professional development courses and seminars covers a wide range of professions from Administration, Leadership,...