The Business of Banking
- Why customer relationships matter
- Identifying and managing risk
- Net interest income vs. fee income
Why Businesses Borrow Money
- Working capital financing
- Real estate and capital expenditures
- Start-ups, buyouts, bridge loans, and losses
The Art of Underwriting – Part I
- Industry considerations
- Life cycle stage of your borrower
- Analyzing quality of management
The Art of Underwriting – Part II
- Four levels of quantitative analysis
- Balance sheet: liquidity and leverage
- Income statement: margins and coverage
Loan Structuring – Part I
- Types of loan facilities
- How loan pricing really works
- Tenor and amortization
Loan Structuring – Part II
- Analyzing your collateral
- What loan covenants do for you
- The value of guarantees
. The Credit Approval Process
- Courtship and the “life of a loan”
- Selling the deal twice – bank and customer
- Loan documentation
Loan and Portfolio Monitoring
- Understanding “Expected loss”
- Loan grading – regulatory definitions
- Asset performance and loan loss provisions
The Complex Lending Machine
- Internal relationships
- Introduction to twelve key banking groups
- Critical partnership: Credit and Lending