Facility Structuring(Apr. 21-23) Virtual

Apr 21 2026

9:00am
National Banking College

Rationale

Drawing accurate conclusions about a borrowing customers’ business is a critical prerequisite to providing appropriate solutions to the customers’ credit needs.
Facility structuring is about incorporating features, protections and control mechanisms in the facilities being granted that will mitigate the key risks identified.

Good facility structuring also ensure there is optimal pricing by achieving a proper risk/reward ratio.
The protection and control features must be closely aligned with the key risks to be mitigated. Doing this will achieve the most appropriate facility structure in terms of protection, control and pricing.

Programme Objectives

On the basis of credit analysis, draw conclusions about the key risks facing a customer’s business.
Identify the most appropriate facility structure, in terms facility type, pricing, disbursement timing, and facility support.
Create appropriate loan monitoring mechanism through the deployment of effective facility conditions, covenants and risk triggers.

Course Content

The 4 Key Considerations in loan structuring
Establishing credit bases, competency gaps and critical success factors
Drawing Conclusions about Key Risks
Identifying the Sources of Repayment – The key principles
Establishing Funding Capacity
The Facility Rationale
Product Packaging & Cross-selling
Pricing – Principles, Strategies and Practice.
Credit and Other Documentation
Setting Covenants and Risk Monitoring Triggers
Designing a Loan Management Strategy
Advising the Banking Arrangement.

Target Group

Senior Credit Analysts/ Credit Analysts
Senior Relationship Managers/Relationship Managers
Credit Approvers, Senior Credit Administrators
Business Heads involved in Lending Activities