RMA Lending Academy II is based on three cases: a pickle manufacturer, a snowboard manufacturer, and a distributor of contact lenses. At a minimum, participants will be required to read the cases and develop a viewpoint based on a set of guiding questions prior to the program. Additional cases may be introduced to allow participants the opportunity to practice the credit skills they learn. In addition to creating a framework for analyzing credits, the participants will learn the specifics of transaction structuring: seasonal financing, permanent working capital, term debt, subordinated debt, and equity. Covenants, collateral, and terms and conditions of lending will also be covered.