Learning Objectives
By the end of this module, you will be able to:
Understand the Purpose and Structure of Loan Repayment Arrangements
Recognise how different repayment structures meet varying client needs.
Determine when to apply each repayment type based on the client’s cash flow cycle and industry context
Evaluate the Financial Impact and Risks of Repayment Terms
Analyse how repayment structures influence interest costs, liquidity, and leverage ratios.
Identify key risks, including cash flow mismatches, rising interest rates, and unrealistic amortisation schedules
Tailor Repayment Structures to Client Needs
Structure repayment plans suited to the client’s industry, business model, and seasonality of cash flow.
Balance financial flexibility with risk control, minimising the likelihood of early default or facility restructuring.
Use Tools to Manage Repayment Risk
Apply financial risk management tools such as interest rate caps and hedging strategies.
Understand market practices that support flexible yet disciplined repayment structures
Apply Repayment Structuring Skills to Real Scenarios
Practise structuring and testing repayment plans using client financial data.
Monitor loan performance over time, identify early warning signs
