Loan & Transaction Structuring Masterclass

Available Dates

Venue

Nov-25-2024

Dubai
Nov-25-2024

Barcelona
Dec-02-2024

Amsterdam
Dec-02-2024

London
Dec-09-2024

Kuala Lumpur
Dec-09-2024

Istanbul
Dec-16-2024

Singapore
Dec-16-2024

Paris
Dec-23-2024

Amsterdam
Dec-23-2024

Barcelona
Dec-30-2024

London
Dec-30-2024

Dubai
Jan-06-2025

London
Jan-06-2025

Amsterdam
Jan-13-2025

Barcelona
Jan-13-2025

Dubai
Jan-20-2025

Istanbul
Jan-20-2025

Kuala Lumpur
Jan-27-2025

Singapore
Jan-27-2025

Paris
Feb-03-2025

London
Feb-03-2025

Amsterdam
Feb-10-2025

Dubai
Feb-10-2025

Barcelona
Feb-17-2025

Kuala Lumpur
Feb-17-2025

Istanbul
Feb-24-2025

Singapore
Feb-24-2025

Paris
Mar-03-2025

London
Mar-03-2025

Amsterdam
Mar-10-2025

Dubai
Mar-10-2025

Barcelona
Mar-17-2025

Kuala Lumpur
Mar-17-2025

Istanbul
Mar-24-2025

Paris
Mar-24-2025

Singapore
Apr-07-2025

London
Apr-07-2025

Amsterdam
Apr-14-2025

Barcelona
Apr-14-2025

Dubai
Apr-21-2025

Istanbul
Apr-21-2025

Kuala Lumpur
Apr-28-2025

Singapore
Apr-28-2025

Paris
May-05-2025

London
May-05-2025

Amsterdam
May-12-2025

Dubai
May-12-2025

Barcelona
May-19-2025

Istanbul
May-19-2025

Kuala Lumpur
May-26-2025

Paris
May-26-2025

Singapore
June-02-2025

London
June-02-2025

Amsterdam
June-09-2025

Dubai
June-09-2025

Barcelona
June-16-2025

Kuala Lumpur
June-16-2025

Istanbul
June-23-2025

Singapore
June-30-2025

London
June-30-2025

Paris
June-30-2025

Amsterdam
July-07-2025

London
July-07-2025

Amsterdam
July-14-2025

Dubai
July-14-2025

Barcelona
July-21-2025

Istanbul
July-21-2025

Kuala Lumpur
July-28-2025

Singapore
July-28-2025

Paris
Aug-04-2025

London
Aug-04-2025

Amsterdam
Aug-11-2025

Barcelona
Aug-11-2025

Dubai
Aug-18-2025

Istanbul
Aug-18-2025

Kuala Lumpur
Aug-25-2025

Paris
Aug-25-2025

Singapore
Sep-01-2025

Amsterdam
Sep-01-2025

London
Sep-08-2025

Dubai
Sep-08-2025

Barcelona
Sep-15-2025

Kuala Lumpur
Sep-15-2025

Istanbul
Sep-22-2025

Singapore
Sep-29-2025

Amsterdam
Sep-29-2025

Paris
Sep-29-2025

London
Oct-06-2025

Amsterdam
Oct-06-2025

London
Oct-13-2025

Barcelona
Oct-13-2025

Dubai
Oct-20-2025

Kuala Lumpur
Oct-20-2025

Istanbul
Oct-27-2025

Paris
Oct-27-2025

Singapore
Nov-03-2025

Amsterdam
Nov-03-2025

London
Nov-10-2025

Dubai
Nov-10-2025

Barcelona
Nov-17-2025

Istanbul
Nov-17-2025

Kuala Lumpur
Nov-24-2025

Singapore
Nov-24-2025

Paris
Dec-01-2025

London
Dec-01-2025

Amsterdam
Dec-08-2025

Dubai
Dec-08-2025

Barcelona
Dec-15-2025

Kuala Lumpur
Dec-15-2025

Istanbul
Dec-22-2025

Singapore
Dec-29-2025

London
Dec-29-2025

Amsterdam
Dec-29-2025

Paris

Course Details

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.

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

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

Course Outline

10 days course

Day 1

Day 2

Day 3

Day 4

Day 5

Day 6

Day 7

Day 8

Day 9

Day 10

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

The Credit Risk of Specific Financial products

Loans and overdrafts
Term loans
Project finance
Construction finance
Private-public partnerships
Government and corporate bonds
Equity and mezzanine debt
Credit derivatives
Counterparty exposure
Off-balance sheet commitments
Trade finance
Mortgages
Credit cards

The Working Capital Cycle

Definition
Understanding the mechanics
Seasonal or non-recurring cycles
The role of bank finance
The role of the overdraft
Understanding break-even analysis
Understanding bankers cash flows
How to lend in support of the cycle
When an overdraft becomes a medium-term loan
Managing multiple cycles

The Basic Principles of Lending

Appraisal techniques
Credit assessment
Business clients
Corporate Clients
Private Wealth Clients
Trade Finance
Group credit appraisal
Development finance
Project finance

Establishing the borrower's actual needs

What do budgets and cash flows actually measure
Short, medium and long term funding needs
Short medium and long term lending products
SWOT analysis
Basic principles
Data collection, refining and perfection
Evaluation – backtesting
Selecting the appropriate lending mix in practice
What goes wrong

Introduction to Credit Risk Strategy

Measuring credit risk in structured loans
Portfolio theory and correlation concepts
Contagion risks
Liquidity assumptions
The importance of time

The different lending maturities

Short term finance
Medium-term finance
Long term finance
Working capital finance
Trade finance
Project finance
The risks
Best practice
What goes wrong

Understanding cash flows

Definitions
Bankers cash flow
What do we use them for
The Rule of 72
Discounted cash flow, NPV & PDV
Are medium-term cash flows useful tools
What are the pitfalls
Where does it go wrong
Stress testing and scenario analysis

Introduction to Lending structures

What facilities does the client need
What are we prepared to lend
Is this enough
Matching lending to cash flow
Matching lending to use of funds
Lending cycles
Economic cycles
Management and monitoring systems
Cash flow monitoring
Recovery management

Bank security

Why do banks take security
Does it achieve recovery by itself
We do lend unsecured
Security does not improve the underlying deal
Why take it then
Safety net
Risk transfer
The importance of guarantees
Type of security
Completion and perfection of security
Independent and direct bank control
Monitoring security post lending drawdown
Best practice
What goes wrong

Loan Documentation

What do we need
Best practice
The minimum
The ideal
Covenants
Undertakings
Key clauses
Managing the loan
Regular scrutiny
Report processes
What goes wrong

Following Our Money

Why is this necessary
How do we do it
The role of the CRM
The role of Credit & Risk Management
Systems, Processes
Best practice
What goes wrong

Loan & Transaction Structuring Masterclass

Course Info

Course Details

At the end of the Loan & Transaction Structuring Masterclass Training Course, you will be able to:

Loan & Transaction Structuring Masterclass Training Course, is ideal for:

Course Outline

Introduction To Credit Risk

Lending Refresher – overview

The Credit Risk of Specific Financial products

The Working Capital Cycle

The Basic Principles of Lending

Establishing the borrower's actual needs

Introduction to Credit Risk Strategy

The different lending maturities

Understanding cash flows

Introduction to Lending structures

Bank security

Loan Documentation

Following Our Money

Course Video

Loan & Transaction Structuring Masterclass

Course Info

Course Details

At the end of the Loan & Transaction Structuring Masterclass Training Course, you will be able to:

Loan & Transaction Structuring Masterclass Training Course, is ideal for:

Course Outline

Introduction To Credit Risk

Lending Refresher – overview

The Credit Risk of Specific Financial products

The Working Capital Cycle

The Basic Principles of Lending

Establishing the borrower's actual needs

Introduction to Credit Risk Strategy

The different lending maturities

Understanding cash flows

Introduction to Lending structures

Bank security

Loan Documentation

Following Our Money

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Course Video