BankerCollege

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