Loan & Transaction Structuring Masterclass
Course Info
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Course Details
Introduction
Objective
Who should attend
Course Location
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 Course aimed 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.
Course Outline
Introduction To Credit Risk
- What is credit risk?
- The different types of credit risk
- Sovereign
- Corporate
- Retail
- Systemic
- Counterparty
- The current lending environment
- Risk appetite statements and their impact on lending strategy
- How do we assess, measure, manage and mitigate credit risk
- The three methods of calculating credit risk, standardised, foundation and advanced IRB
- The revised standardised approach
- The impact of IFRS 9
Lending Refresher – overview
- Definitions & basic lending principles
- Lending policies, lending strategies, lending systems
- Data/information collection
- Approvals, security, drawdowns
- Management & monitoring systems
