Loan Structuring Basics

When a loan is structured properly, the likelihood of getting repaid increases dramatically. This course provides participants with a basic understanding of loan structure.

Recorded Monday,
July 1st, 2024
Presented by Tom Carlin
1h 30m total length
1.5 CPE Credits
$299.00 or 1 Token

Includes: 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Commercial/Business Lending
  • Lending
  • Risk Management/Legal
  • Board Member
  • Branch Manager
  • Commercial Lender
  • Consumer Lender/Retail Banker
  • Credit Analyst
  • Internal Auditor
  • Loan Closer
  • Loan Operations Manager/Specialist
  • Risk Manager
  • Senior Management
  • Small Business Lender

Save on annual training costs with our Webinar Subscription Service and share webinars across your entire organization.

Become a subscriber

Learn about upcoming events, webinars and discounts.

Sign Up For Email Notifications

As commercial and middle market lenders know, loan structure has an important influence on the repayment of loans. In this webinar, we’ll discuss the different types of loans - seasonal, term, bridge, and permanent capital, and how to properly structure a loan. We’ll also provide strategies for explaining loan structuring decisions to your customers.

What You'll Learn

  • Show how loan structuring fits into the lending decision process
  • Describe the different capital sources available to the borrower
  • Explain the four major loan structures and their related risks: lines of credit, term loans, bridge loans and permanent capital loans
  • Explain the purpose and objectives of loan covenants
  • Identify specific examples of financial covenants that would be used for each of the four major loan types
  • Identify and describe seasonal borrowing needs
  • Profile seasonal repayment sources and their related risks
  • Formulate a loan structure, including consideration of collateral support, to minimize those risks

Who Should Attend

This course is appropriate for anyone who works in commercial or middle market lending, including Senior Lenders, Commercial Lending Officers, Relationship Managers, Portfolio Managers, Financial Analysts, Underwriters and Loan Review personnel.

Field of Study:Finance

Skill level:Basic


Advanced Preparation:None

Tom Carlin

Instructor Bio

An authority on financial and credit risk, Mr. Carlin is a Managing Partner at Eensight. He has worked with major banks, insurance companies and regulatory agencies over the last twenty years, designing and teaching financial topics including: basic, intermediate and advanced credit and financial statement analysis, business lending for branch bankers, accounting for bankers, basic intermediate and advanced cash flow analysis, loan structuring, consumer lending and trade finance. His audiences include business bankers, recent graduates going through the organizations basic credit training program, senior management personnel who need to know the basics of accounting and financial statement analysis, middle market lenders with many years of experience and regulatory agency personnel. Each program he designs and teaches is tailored to the individual customer with the products, procedures and culture of the organization incorporated into the course design. The complexity and intensity of the programs are adjusted to reflect the needs of the participants and the logistical training issues faced by the organization.

He is the author of Financial Statement Analysis published by the American Bankers Association in 1994. He is also the author of Consumer Lending, published by The Center for Financial Training in 2015.

He has designed and taught programs in risk analysis for Citibank, Wells Fargo, American International Group, Capital One, Chase Manhattan Bank, First Tennessee, M & T, Union Bank, and The Bank of China. He has also taught the Credit Risk Analysis Program at the Federal Reserve Bank.

Prior to Eensight, Mr. Carlin was a Regional Director for Omega Performance Corporation. He was also a Vice President with Bankers Trust in New York. He was responsible for marketing credit and trade finance products to corporate clients and correspondent banks worldwide.

Mr. Carlin has a Master of International Management degree from Thunderbird School of Global Management and a Bachelor of Arts degree from Villanova University.

Continuing Education Credit Information

Loan Structuring Basics has been approved for 1.5 CPE credits. Credits are redeemable for Live attendance only.

OnCourse Learning is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

Students can contact OnCourse Learning via email at support@oncourselearning.com to lodge complaints or issues.