Structuring Commercial Loans

Structuring Commercial Loans teaches financial professionals like you the fundamental principles of structured transactions and how to structure a commercial or corporate loan. The right loan structure ensures the best chance of repayment from cash flow or, as a secondary and alternative source of repayment, from the liquidation of assets, while at the same time providing a sufficient return to shareholders.

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Structuring Commercial Loans consists of five separate Web-based courses that cover general principles of loan structuring and present case information for you to analyze. We recommend that you take the commercial lending training courses in order; however, you may take them in any order that suits your needs. The five courses are:

  • Introduction to Structuring Commercial Loans
  • Seasonal Loans
  • Permanent Working Capital Loans
  • Term Loans
  • Transaction Structuring

Who will benefit?
Credit and lending professionals who want strengthen their knowledge of the fundamentals of commercial lending will benefit from this training course.

You will:

  • Understand the fundamental building blocks of loan structure.
  • Identify the basic characteristics and features that make each loan type unique.
  • Demonstrate how to structure loans with the proper covenants so that both the bank’s and the customer’s needs are being satisfied.
  • Identify the basic features of seasonal loans, and complete an analysis of a seasonal loan request and make recommendations for that seasonal loan structure.
  • Identify the basic and some nuanced aspects of permanent working capital loans.
  • Distinguish between seasonal needs and longer-term permanent working capital needs.
  • Analyze business needs that give rise to long-term borrowing.
  • Design covenant structures that ensure the best chance of servicing and debt repayment.
  • Identify the characteristics of a bridge loan.

To find out more about Structuring Commercial Loans or to make a purchase, please contact your regional manager.