Loan Structuring Basics

The principal goal of this course is to enable you to appropriately structure credit exposures, matching loan type, terms and conditions to the borrower’s identified primary and secondary loan repayment sources and underlying credit risks.

Covered Topics

  • Show how loan structuring fits into the lending decision process.
  • Explain the purpose and objectives of loan covenants
  • Identify specific examples of financial covenants that would be used for each of the four major loan types
  • Identify and describe seasonal borrowing needs
  • Profile seasonal repayment sources and their related risks
  • Identify and describe permanent working capital borrowing needs
  • Profile repayment sources and their related risks
  • Formulate a loan structure, including consideration of collateral support, to minimize those risks
  • Identify and describe long-term borrowing needs
  • Profile repayment sources and their related risks
  • Formulate a loan structure, including collateral and third-party support, to minimize risks.

Who Should Attend?

Commercial lenders, credit analysts, small business lenders, middle market lenders, private bankers; loan review specialists, special assets officers, lending managers and credit officers.