Lending to Complex Structures

Lending to Complex Structures Overview

For a Credit Analyst, understanding complex business structures is extremely important in determining the optimal credit structure for both the financial institution and the borrower.

This course will walk you through how to understand a group of companies and the issues that come up when lending into a corporate group. We will also look at mitigation strategies to address these risks through the proposed credit structure. Next, we will help you understand the importance of borrower selection, and will work through complexity you may encounter in financial reporting. Then, we walk through how to identify beneficial ownership and control, and how this may also impact your credit decision. Finally, we cover related party relationships, and how they affect group lending.

Lending to Complex Structures Learning Objectives

Upon completing this course, you will be able to:

• Understand a group of companies

• Consider issues in group lending and mitigating strategies

• Understand the importance of borrower selection

• Identify beneficial ownership and control in complex structures

• Describe the relationships between related parties

Lending to Complex Structures is an Elective Course of CFI’s CBCAⓇ Program

CFI's Certified Banking & Credit Analyst (CBCA)® Program offers skills including credit evaluation, documentation, and review procedures. For beginners to advanced users, the CBCA® program is designed to help you become a world-class credit analyst.

Who Should Take This CBCA® Course?

The Lending to Complex Structures course is perfect for any aspiring credit analysts working in insurance, underwriting, rating agencies, commercial lending, corporate credit analysis, and other areas of credit evaluation.

The exercises and tools explored in this course will be useful for any financial analyst who wishes to work in credit analysis, commercial banking, and other areas of lending and credit evaluation.