A foundation course for Graduate Entrants with no experience in Retail and Corporate banking
At the end of this course participants will be able to:
– Define Expected Loss
– Describe the forms of collateral and evaluate their effectiveness
– Describe forms of covenants and evaluate their effectiveness
– Explain credit subordination
– Describe how subordination risk is mitigated by loan structuring
o Establishing the purpose of covenants
o Types of covenant – representation and warranties; incurrence and maintenance covenants
o Setting realistic covenants – definitions and headroom
o Problem situations with covenants – actions on a breach
o Events of default
– Fixed and Floating Charges
o Types of collateral and charge available to the bank
o Perfecting collateral – where things can go wrong
o Understanding the impact of debt cushioning
– Subordination in action
o The ranking of creditors in insolvency
o Corporate structures and the impact on lending
o Contractual vs. Structural Subordination
– Is credit risk mitigation achievable in Cov-Lite structures?
We are thought leaders in instructional and learning journey design and holistic solution architects.
We have extensive finance and investments experience combined with skills application to deliver performance improving results.
We develop immersive learning environments that maximize time to productivity, support talent retention and added value to improving quality of hires.
We are focused on mining the embedded organisational intellectual capital for the benefit of the next generation.
We create and curate best in class practice gathered from our experience with the leading financial institutions.
We design our programmes with the end in mind – what results are you trying to achieve with this intervention? What metrics will we set ourselves to achieve that?
Quality and innovation, using current market and industry best practices, have made us a trusted partner in delivering dynamic and motivating training for the financial and capital markets.
Our programmes are generation proof and responsive to evolving learner needs and styles.
Our solutions use a multi-stakeholder engagement strategy that expands beyond relationships between the learner and learning provider. We create connections with managers, peers and the wider business to drive impactful return on investment..
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The team are so friendly and pleasant to work with, everyone is very professional and keen to help us. Building a relationship over the past couple of years helps us to feel like the Alpha team are even more able to understand our needs and provide more proactive solutions.