Loan Structuring Basics

Thursday, April 18, 2019

1:30 pm – 3:00 pm CT

Recommended for 2 CE Credits

Program Content:

The principal goal of this course is to enable you to appropriately structure credit exposures, matching loan type, terms and conditions to the borrower’s identified primary and secondary loan repayment sources and underlying credit risks.

Covered Topics:

  • Show how loan structuring fits into the lending decision process.
  • Explain the purpose and objectives of loan covenants
  • Identify specific examples of financial covenants that would be used for each of the four major loan types
  • Identify and describe seasonal borrowing needs
  • Profile seasonal repayment sources and their related risks
  • Identify and describe permanent working capital borrowing needs
  • Profile repayment sources and their related risks
  • Formulate a loan structure, including consideration of collateral support, to minimize those risks
  • Identify and describe long-term borrowing needs
  • Profile repayment sources and their related risks
  • Formulate a loan structure, including collateral and third-party support, to minimize risks.

Who Should Attend:

Commercial lenders, credit analysts, small business lenders, middle market lenders, private bankers; loan review specialists, special assets officers, lending managers and credit officers.

Presenter:

An authority on financial and credit risk, Mr. Carlin is a Managing Partner at Eensight. He has worked with major banks, insurance companies and regulatory agencies over the last twenty years, designing and teaching financial topics including: basic, intermediate and advanced credit and financial statement analysis, business lending for branch bankers, accounting for bankers, basic intermediate and advanced cash flow analysis, loan structuring, consumer lending and trade finance. His audiences include business bankers, recent graduates going through the organizations basic credit training program, senior management personnel that need to know the basics of accounting and financial statement analysis, middle market lenders with many years of experience and regulatory agency personnel. Each program he designs and teaches is tailored to the individual customer with the products, procedures and culture of the organization incorporated into the course design. The complexity and intensity of the programs are adjusted to reflect the needs of the participants and the logistical training issues faced by the organization.

He is the author of Financial Statement Analysis, published by the American Bankers Association in 1994. He is also the author of Consumer Lending, published by The Center for Financial Training in 2015.

He has designed and taught programs in risk analysis for Citibank, Wells Fargo, American International Group, Capital One, Chase Manhattan Bank, First Tennessee, M & T, Union Bank, and The Bank of China. He has also taught the Credit Risk Analysis Program at the Federal Reserve Bank.

Prior to Eensight, Mr. Carlin was a Regional Director for Omega Performance Corporation. He was also a Vice President with Bankers Trust in New York. He was responsible for marketing credit and trade finance products to corporate clients and correspondent banks worldwide.

Mr. Carlin has a Masters of International Management degree from The Thunderbird School of Global Management and a Bachelor of Arts Degree from Villanova University.

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Course / Seminar Type: Recorded Webinars
Course / Seminar Category: Lending & Credit Training
Course / Seminar Code:
Course / Seminar Start Date: 04/18/2019
Course / Seminar Price: $265
Course / Seminar Location: