The Commercial Lending and Loan Structuring training course is designed for finance professionals
seeking to deepen their expertise in providing commercial loans to businesses and structuring deals
that align with the needs of both borrowers and lenders. This course covers the key concepts of
commercial lending, including credit analysis, risk assessment, loan pricing, and the various types of
loan products available to businesses, such as term loans, lines of credit, and trade finance.
Participants will also learn the art and science of structuring loans, considering factors such as
borrower creditworthiness, collateral, debt serviceability, and industry-specific risks. The course
emphasizes the importance of tailoring loan structures to mitigate risks while meeting the financial
needs of businesses, and includes practical strategies for negotiating terms, determining loan
covenants, and managing complex lending scenarios.
By the end of this course, participants will have the skills to assess and structure commercial loans
effectively, balancing risk and reward for both the borrower and lender. They will develop an
understanding of the unique requirements of different types of business loans, the factors that
influence loan structuring, and the role of financial covenants in ensuring loan performance. The
course will also equip participants with the ability to evaluate cash flow, collateral, and other key
financial metrics, as well as to manage the legal and regulatory considerations associated with
commercial lending. Professionals will walk away with the ability to structure loans that optimize
terms, mitigate potential risks, and support business growth while maintaining financial stability for
lending institutions.

Expected Outcomes:
 In-Depth Loan Structuring Knowledge: Participants will learn how to structure a variety of
commercial loan types (e.g., term loans, revolving lines of credit, working capital loans)
based on borrower needs and risk considerations.
 Advanced Credit Risk Assessment: Gain the skills to assess borrower financials, including
balance sheets, cash flow, and other financial statements to determine creditworthiness and
loan terms.
 Negotiation Skills: Develop proficiency in negotiating loan terms, interest rates, and
covenants to protect the interests of both the lender and the borrower.
 Comprehensive Loan Documentation: Understand the key components of loan agreements
and how to draft clear, enforceable loan terms.
 Regulatory Compliance Knowledge: Learn the regulatory requirements governing
commercial lending, including risk assessment, fair lending laws, and disclosure obligations.
 Practical Loan Structuring Tools: Gain familiarity with the tools and techniques used to
create flexible and risk-mitigated loan structures that align with business needs and lender
objectives.