Loan & Transaction Structuring Masterclass

• Identify the key elements of credit risk
• Understand the working capital cycle of a business
• 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 lending the client what they actually 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
• Select the most appropriate lending structure
• Decide whether security is required
• Select appropriate documentation and loan covenants to manage the loan
• Learn how ongoing management of the loan is vital
• Be clear that the practice of “following the bank’s money” must always be implemented

The 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 banking and wealth management division at an early age. He was then “head hunted” to join a merchant bank at 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’ experience in the UK banking and financial services sector.

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

He is a highly adaptive, hands-on and highly sought-after private banking and wealth management facilitator who always receives excellent feedback from delegates. He is comfortable training at any level of seniority and experience, from “black belts” to novices. In addition to his private banking and wealth management specialism, 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.

A two-day interactive workshop-style webinar, aimed at mid-level corporate bankers, analysts, product and client servicing and support teams wanting to gain an understanding of how credit assessment, loan structuring, cash flow analysis and loan covenants can be used effectively to ensure corporate client borrowing needs are matched and serviced by the appropriate bank loan facility.

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