This is a three days credit training program, where participants using various case studies will be introduced to the credit structuring process to structure trade finance, long-term loan, real estate and construction loan facilities. As a pre-requisite, participants should be well versed with various techniques of financial and qualitative analysis that are covered in the Financial & Credit Analysis and Structured Qualitative Analysis training programs. Listed below are the major topics that will be covered:

• How to identify, using  the results from quantitative and qualitative analysis, key risks that may impact a borrower’s ability to honor its financial obligation to the bank.

• Using the identified risks as the reference point, explore various risk mitigation methods and translate them into appropriate credit facility’s structure in order to mitigate and/ or minimize the credit risks.

• Various credit facility's terms & conditions, such as conditions precedent, representation, warranties, various types of covenants and events of defaults.

• Three case studies will be discussed to practice the credit structuring process, covering the structuring of trade finance, long-term loan, real estate loan and constructing loan facilities.