Loan Structure Fundamentals for Lenders & Analysts 2-Parts
Loan Structure Fundamentals for Lenders and Analysts (2-Part Series)
Wednesday, May 1, 2024
Both Parts 1 & 2 (with 1/2 hour break)
12:00 – 3:30 pm (Eastern Time)
Good underwriting is critical to the success of a loan, but so is good loan structure. In a well-structured loan, the Lender:
- Understands what the borrower is using the money for;
- Has identified multiple sources of repayment;
- Loaned the borrower enough money, but not too much and given the borrower enough time, but not too long;
- Has carefully analyzed collateral and established an appropriate advance rate;
- Put in place a framework for monitoring the lending relationship. He or she has properly documented the loan and attached and perfected the bank's interest in the collateral;
- Most importantly, has established a level of expectations with the borrower about financial reporting, financial performance and repayment of the debt.
After completing this webinar, participants will be able to:
- Identify the elements of loan structure
- Properly utilize short-term/seasonal loans, term loans, bridge loans and permanent capital loans
- Address six issues in a properly structured loan
- Answer common loan structure questions
- Evaluate collateral and guarantors
- Structure a term sheet, commitment letter and loan agreement
- Utilize key covenants in a loan agreement
- Avoid common loan structuring mistakes
- Apply the concepts in a case study
Who Should Attend:
- Credit Analysts and Lenders with 1-3 years’ experience; More seasoned lenders as appropriate
Instructor
John Barrickman
New Horizons Financial Group / President
For 27 years, John Barrickman has served as President of New Horizons Financial Group, a financial services industry consulting firm nationally recognized as an expert in the areas of comprehensive credit risk management, credit process, loan policy formation, asset quality rating frameworks, risk based pricing and lender development. John is a frequent speaker and subject matter expert on credit policies and procedures at industry events nationwide. John is also a Consulting Associate for Capital Performance Group.
Attendance verification for CE credits provided upon request.
Webinar Sponsored by BankersHUB
If you are having issues with registering online, please contact CBAO's Education, Training & Special Event Coordinator, Malia Widder, (614) 610-1877.
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