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Lending to Wealthy Individuals

Course Overview

Lending to Wealthy Individuals is designed to provide information about analyzing the risks in lending to wealthy individuals and structuring appropriate credit facilities to mitigate risk. This course teaches the analytical processes that participants apply in an attempt to mitigate risk and identify or customize appropriate loan solutions to meet the needs of wealthy individuals. The course features several short case studies and one final case study allowing for the practical application of the course concepts.



7.5 hours


Instructor-Led Online

Program Level




Participants are expected to have a working knowledge of financial accounting, personal financial statement analysis, and personal cash flow.



Who Will Benefit?

Lenders, credit analysts, and loan officers who work with wealthy individuals or want to build relationships in this area.


Learning Objectives

Upon completion of this course, participants will be able to:

  • Identify the various types of wealthy individuals and the sources of their wealth.
  • Identify major credit opportunities for wealthy customers and understand how credit needs link to the individual’s wealth cycle.
  • Evaluate the repayment sources of wealthy individuals.
  • Evaluate and mitigate risks associated with loans to wealthy individuals.
  • Develop customized loan structures for the wealthy.
  • Make a loan decision.


Through a mix of discussion, large and small group activities, and case studies, participants are better prepared to apply the content learned when they return to their jobs. The following cases are described in Lending to Wealthy Individuals:

  • Andaja Chulah (Andy) owns 76% of AutoMart, a distributor of automotive parts. The company has over 5,000 customers and leases seven distribution centers. Chulah would like a $500,000 facility for short-term borrowing needs to take advantage of investments opportunities. Participants will have the opportunity to make appropriate value adjustments to Chulah's Personal Financial Statement, determine what of his cash flow is expected to recur, calculate his financial ratios, and make a recommendation regarding loan approval and terms.
  • Brian Edwards is a fourth-generation real estate developer. While Brian has always maintained significant deposits with the bank, he has not previously asked for credit. He is now contemplating several loan possibilities as he begins to contemplate retirement. Participants will have the opportunity to review Brian's personal financial statement, most recent tax return, appropriate schedules and K-1s. Additionally, they will evaluate a full package of credit analysis related to Brian's requests before answering a series of questions designed to stimulate and conversation around the many facets of Brian's financial condition.

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