Understanding C&I Loan Structuring, Loan Agreements and Covenants - (3 Parts) - Fa19

Course Length
90 mins

Richard Hamm


Upcoming Sessions


Presenter: Richard Hamm, Advantage Consulting & Training

This three-part program will be presented live on: September 10, 17 & 24, 1:00-2:30 p.m. Central Time
Recording available through: December 24, 2019
Price: $555


Commercial and industrial (C&I) lending is an area of emphasis as banks seek to grow their loan portfolios during the slow economic recovery.  C&I lending involves many types of loans and credit facilities.  Equally diverse are the various cash needs of businesses, such as operating funds, plant expansion or equipment purchases.  These needs can be met with single-payment loans, installment loans or lines of credit.  They can be secured by collateral, or unsecured.  Documentation can range from a simple note and security agreement to a more complex loan agreement with financial covenants.  In structuring a financing arrangement, the banker must have a thorough knowledge of the available credit facilities and how to match them to the customer’s needs.


This seminar provides bankers with a working knowledge of the basic principles of loan structuring and loan agreements, including:

  • Understanding your bank’s goal(s) in structuring the loan
  • Identifying the goals of your customer and the resulting credit needs
  • Discussing and implementing the products you can utilize
  • Identifying the loan structures that best match the source(s) of repayment
  • Applying the concepts (using cases) in four key loan types: seasonal, bridge, term and lines of credit
  • Reviewing common mistakes and lender errors in the four key loan types
  • Understanding the typical structure, format and goals of loan agreements and covenants
  • Developing, setting and monitoring financial covenants
  • Overview of using a borrowing base and other asset-based lending concepts for underwriting and monitoring traditional operating lines of credit


Target Audience:  Small business lenders, private bankers, commercial lenders, credit analysts, loan review specialists, lending managers and credit officers involved in C&I loans

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