Learning Objectives
By the end of this module, you will be able to:
Understand the Purpose and Structure of Loan Products
Recognise how key loan products—Overdrafts, Term Loans, Trade Finance, Asset Finance, and Bank Guarantees—address different business needs.
Determine when to use each loan product based upon the client’s funding timeframes, operating cycles, and working capital requirements
Evaluate Costs, Repayment Terms, and Risks
Analyse how interest rates, fees, and repayment arrangements impact client’s liquidity and debt servicing capacity.
Identify product-risk mismatches, such as funding long-term assets with short-term loan products or setting inflexible repayment terms.
Recommend the Right Loan for the Right Situation
Match loan products to the client’s industry, strategic objectives, and debt servicing capacity.
Structure loan products that promote client’s sustainable growth while managing the lender’s exposure to credit risk.
Apply Learning to Real Scenarios and Monitor Loan Performance
Practise selecting, structuring, and tailoring loan products through detailed client case studies.
Learn how to monitor loan performance and recommend loan product or structural adjustments to manage emerging risks effectively
