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Understanding Your Middle Market Customer: Transaction Structuring

Course Overview

Understanding Your Middle Market Customer: Transaction Structuring teaches financial professionals the fundamental principles of structuring transactions. This course focuses on helping risk management professionals develop a comprehensive understanding of the different sources of financing, including a variety of debt and equity instruments and the appropriate use of covenants. It will also provide insight into analyzing the capital structure, and differences associated with holding company and operating company lending.



15 hours


Instructor-Led Online

Program Level




Participants are expected to have a working knowledge of cash flow analysis. They should have at least a fundamental knowledge of, and experience in, credit risk analysis – including financial accounting, financial statement analysis, and loan structuring.



Who Will Benefit?

Individuals who manage relationships with middle market customers and those with larger community bank size customers with relatively complicated structures.


Learning Objectives

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

  • Determine the purpose of the loan, the sources of repayment, and the role of capital structure in structuring the transaction.
  • Review the role of loan covenants in a loan agreement and the impact on the borrower’s operation.
  • Analyze and structure seasonal loans.
  • Analyze and structure term loans.
  • Structure an acquisition transaction.
  • Restructure a bridge loan.


Through a mix of discussions, group activities, and case studies, participants are better prepared to apply the content learned on the job. Participants have the opportunity to apply their understanding of corporate finance issues and practices and learn how they can be part of a sound and profitable banking relationship. The course is divided into a combination of casework, analysis, and review of general principles of transaction structuring. Each session begins with an overview of the general principles, proceeds to review the individual case, and then links the case to the underlying general principles.

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