Loan & Transaction Structuring Masterclass

The Loan & Transaction Structuring Masterclass trainer had a highly successful, long and varied “fast track” career in Lloyds Bank which led him to a very senior management position in the bank’s private Commercial Banking and then the Corporate Banking Divisions. He was then “head hunted” to join a merchant bank at the main board director level to oversee the private banking and wealth management offering to the group’s major and prestigious clients. He now has over 40 years of experience in the UK banking and financial services sector.

He has been a freelance risk management training consultant since retiring and is currently an external Master Training at both HSBC and Bank of China where he has delivered major risk projects. He is an accomplished global trainer and has delivered extensive programmes in the UK, USA, South America, Europe, Africa, Asia and the Middle East.

He is a highly adaptive, hands-on and highly sought-after facilitator who always receives excellent feedback from delegates. He is comfortable training at any level of seniority and experience, from “black belts” to novices. His expertise includes but is not limited to Risk Management, Trade Finance, Regulatory Compliance, FCC & AML and all aspects of Private & Retail Banking. He is also a highly experienced soft skills trainer and has completed numerous “train the trainer” assignments.

• Identify the key elements of credit risk
• Understand the working capital cycle of a business loan structure
• Measure, quantify and evaluate the actual borrowing needs of the client (lend them what they need as opposed to what they want or think they need).
• Assess the risk of transactional lending the client what they need
• Understand the difference between short, medium- and long-term loans and the risk profiles
• Analyse the cash flows – the source of our repayment over the length of the loan payment structure
• Select the most appropriate lending structure
• Decide whether security is required
• Select appropriate documentation and loan covenants to manage the bank loan transaction
• Learn how ongoing management of the bank loan structure is vital
• Be clear that the practice of “following the bank’s money” must always be implemented

• The Loan & Transaction Structuring course is delivered by a highly experienced trainer, with a superb track record and who currently is a Master Trainer in all types of risk at the world’s largest global bank
• It is packed with real-life case studies and highly interactive discussion groups.
• The Course Director is a former lending banker who retired at the main board level and in common with all successful executives made some mistakes and at times lost some money on the way to the top. Sharing this real-world experience with delegates will make the credit training for bankers more interesting and we believe, more meaningful
• Redcliffe has been delivering quality training for over 20 years and we are proud of our first-class reputation and professionalism
• We are always judged by our results and feedback from delegates to date has always been excellent

This Loan & Transaction Structuring Masterclass is a ‘must know’ for:

• Senior and top managers seeking to gain a better understanding of their responsibilities in this area
• Credit, Compliance & Risk Officers who are charged with overseeing and managing credit risk
• Department Heads, Team Leaders and Supervisors
• Client Relationship Teams
• Internal Audit staff responsible for reviewing credit exposures
• Delegates seeking a better understanding of the attractions of loan structuring and how it might improve credit risk
• Anyone involved or with an interest in credit risk and loan and transaction structuring seeking either a refresher wishing to acquire new skills.

A one-day interactive workshop-style Loan & Transaction Structuring course, aimed at mid-level corporate bankers, analysts, product and client servicing and support teams wanting to gain an understanding of how credit assessment, loan transaction structuring, cash flow analysis, mortgage banking training, structuring in banking, transaction financing, structuring mortgage loans, commercial loan structure, structuring financial transactions, corporate loan structuring, and loan covenants can be used effectively to ensure client borrowing needs are matched and serviced by the appropriate bank facility.

Participants are not expected to be lending experts but a basic understanding of bank lending products and experience of some lending exposures would be helpful.