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Apr 17 2024

Facility Structuring(Apr. 17-19) In-person

  • 9:00am
  • National Banking College

Background

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 deploymentof effective facility conditions, covenants, and risk triggers.

Course Outline

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

Target Group

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

CostGHC00.00

To register, contact the programmes secretariat now !

+233 (0) 302 760006