Overview

A debt instrument doesn't sit still after closing. It gets syndicated across a lender group, trades in secondary markets, gets amended when borrower circumstances change, and eventually reaches maturity—or doesn't. Understanding this lifecycle is essential for anyone working in credit.

These three lessons follow the arc of a debt instrument from distribution through distress. You'll learn how the syndication market works, how credit agreements evolve after signing, and what happens when a borrower can no longer meet its obligations.

Lessons

01
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Syndication and Distribution

How leveraged loans and bonds move from arranging banks to end investors. Cover the syndication process, allocation mechanics, flex provisions, and the role of primary and secondary markets in distributing credit risk.

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02
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Amendments and Modifications

Explore what happens when the terms need to change. Learn how consent solicitations, amendment processes, and waiver requests work—and how lenders negotiate concessions when borrowers seek covenant relief or structural changes.

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03
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Default, Restructuring, and Bankruptcy

When repayment breaks down. Understand triggers of default, the mechanics of out-of-court restructuring, Chapter 11 bankruptcy, debtor-in-possession financing, and how recoveries are determined across the capital structure.

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