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Loan & Transaction Structuring Masterclass

0 Part Course  |  Gain an understanding of how key credit risk elements can be used effectively to ensure corporate client borrowing needs are matched and serviced by the appropriate bank loan facility

Loan & Transaction Structuring Masterclass

A one-day course presented in two half-day live webinars

  • It 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 worlds 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 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 training 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

  • 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

Part One

Session 1: Introduction To Credit Risk

  • What is credit risk?
  • The different types of credit risk
    • Sovereign
    • Corporate
    • Retail
    • Systemic
    • Counterparty
    • The current lending environment
    • Risk appetite statements and their impact on lending strategy
  • The three methods of calculating credit risk, standardised, foundation and advanced IRB
  • The impact of IFRS 9

Case study/ Example to illustrate the above

Session 2:  Lending Refresher  – overview

  • Definitions & basic lending principles
  • Lending policies, lending strategies, lending systems
  • Data/information collection
  • Approvals, security, drawdowns
  • Management & monitoring systems

Case Study/Exercise: Several of each throughout the session

Session 3: The Working Capital Cycle

  • Definition
  • Understanding the mechanics
  • Seasonal or non-recurring cycles
  • The role of bank finance
  • The role of the overdraft
  • Understanding break-even analysis
  • Understanding bankers cash flows
  • How to lend in support of the cycle
  • When an overdraft becomes a medium-term loan
  • Managing multiple cycles

Case study/ Example to illustrate the above

Session 4: The Basic Principles of Lending

  • Appraisal techniques
  • Credit assessment
  • Business clients
  • Corporate Clients
  • Private Wealth Clients
  • Trade Finance
  • Group credit appraisal
  • Development finance
  • Project finance

Case study/Example to illustrate the above


Part Two

Session 5: Structuring by establishing the borrowers actual needs

  • Short, medium and long term funding needs
  • Short medium and long term lending products
  • SWOT analysis
  • Basic principles
  • Data collection, refining and perfection
  • Evaluation – back testing
  • Selecting the appropriate lending mix in practice
  • What goes wrong?
Case Study/Exercise: Several of each throughout the session

Session 6: The different lending maturities & structures

  • Short term finance
  • Medium term finance
  • Long term finance
  • Working capital finance
  • Trade finance
  • Project finance
  • The risks
  • Best practice
  • What goes wrong?
Case study/Example to illustrate the above

Session 7: Lending structures

  • Structured Finance
  • Different types and maturities
  • Innovations
    • Borrowing base
    • Repos
    • Reverse factoring
    • UPAS
    • Project finance
    • Receivables and invoice financing
    • Non-recourse deals
  • Matching lending to cash flow
  • Matching lending to use of funds
  • Management and monitoring systems
Case study/ Example to illustrate the above

Session 8: Security & Documentation

  • Security does not improve the underlying deal
  • Risk transfer
  • The importance of guarantees
  • Type of security
  • What documentation do we need?
  • Best practice
  • Covenants
  • Undertakings
  • Key clauses
  • Managing the loan
  • Regular scrutiny
  • What goes wrong?
Case study/ Example to illustrate the above

Session 9: Following Our Money

  • Why is this necessary?
  • How do we do it?
  • The role of the CRM
  • The role of Credit & Risk Management
  • Systems, Processes
  • Best practice
  • What goes wrong?
Case study/ Example to illustrate the above

Session 10: Course conclusion

  • Summary
  • Course win up
  • Open forum

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.

  • The instructor had a high enthusiasm for the content

Have this course presented In-House

  • On a date, time and in a location of your choice
  • Topics expanded or deleted to your bespoke requirements

Have this course pre-recorded

  • Full course recording edited exclusively for your company
  • Files converted to enable housing on your LMS

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