Lending to Complex Structures – Lisa Dorian – CFI Education

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Exploring the Essential Features of “Lending to Complex Structures – Lisa Dorian – CFI Education”

Lending to Complex Structures

How complex can borrowers get? Learn to navigate diversity in borrowing groups, ownership, and related parties Lend confidently to complex structures!

• Get the strategies unique to group lending
• Conduct due diligence confidently in the face of diverse relationships
• Explore the requirements for a well-structured credit when lending to groups

Overview

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 understanding a group of companies and the issues that come up when lending to 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 work through the 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

Who should take this 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.

What you’ll learn

Introduction
Introduction 
Learning Objectives 
Download Course Presentation

Incorporation & Lending Groups
The Effects of Incorporation 
Types of Entities in a Group 
Understanding a Group
Holding and Operating Companies
Related Companies Example
Interactive Exercise 1

Key Considerations & Mitigation Strategies
Key Considerations in Group Lending
Interactive Exercise 2
Borrower Selection Example
Credit Issues in Group Lending
Mitigation Strategies
Interactive Exercise 3
Ringfencing
Midway Check-in
Interactive Exercise 4

Repayment Sources Exercise
Repayment Sources Exercise
Group Liquidation – Part 1
Group Liquidation – Part 2

Financial Reporting
Basic Accounting for Groups
Consolidated Financial Statements
Combined Financial Statements
Issues Regarding Foreign Holdings
Interactive Exercise 5

Combined Statements Case Study
Case Study Introduction
Case Study Instructions
Combined Analysis – Income Statement
Combined Analysis – Balance Sheet
Combined Analysis – Debt Inputs
Combined Analysis – Leverage & Liquidity (Part 1)
Combined Analysis – Leverage & Liquidity (Part 2)
Combined Analysis – Leverage & Liquidity (Part 3)
Combined Analysis – Profitability & Serviceability (Part 1)
Combined Analysis – Profitability & Serviceability (Part 2)
Case Study Q&A Debrief

Other Topics in Group Lending
Beneficial Ownership
Pyramid and Chained Groups
Networked Groups
Excessive Complexity
Interactive Exercise 6
Related Parties
Related Party Cash Flows
Interactive Exercise 7

Course Summary
Summary
Conclusion

Qualified Assessment
Qualified Assessment

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