Loan Participations for Community Banks

This program covers the risks and rewards of loan participations to both the lead bank and the purchasing bank. Attendees will gain a thorough understanding of Participation Agreements.

A participant’s checklist for a well-drafted Participation Agreement will be reviewed, and administration of the participated loan will be discussed.

Covered Topics

  • Advantages of a participation to the lead bank and participant bank
  • Risks to the participant
  • Lack of information
  • Lack of involvement in negotiations
  • Dependency upon lead
  • Waivers
  • Financial instability/insolvency of lead
  • Set-off by borrower
  • Failure to perfect
  • Conflicts of interest
  • Due diligence by the participant and access to information
  • Disclosure of participation to borrower
  • Concentrations and other regulatory aspects of participations
  • Loan agreement provisions related to participations
  • Duties owed by lead to participant
  • Rights to loan collateral and guaranties
  • Loan administration issues
  • Loan payments and other functions
  • Consent to amendments
  • Restrictions on transfer
  • Loan purchase options
  • Reimbursement and indemnification obligations
  • Subparticipations
  • Set-off by participant
  • Understanding the participation agreement
  • The participant’s checklist
  • The participation in workout

Who Should Attend
CRE lenders, commercial lenders; credit analysts, loan review specialists, special assets officers, lending managers, and credit officers. Support personnel involved in the administration of loan participations are also encouraged to attend.

Instructor Bio
Robin Russell has practiced law for 30 years and is licensed in Texas, New York, and Massachusetts. She is a fellow in the American College of Bankruptcy and of the American Law Institute. She combines a depth of experience in bankruptcy restructuring and litigation with financial transactions. She has represented corporate debtors, independent directors, liquidating trustees, bondholders, unsecured creditors’ committees, bank groups, private equity funds, landlords, trade creditors, and bidders for estate assets in Chapter 11 and Chapter 7 bankruptcy proceedings. She has also represented banks, institutional lenders, and corporate borrowers in commercial loan transactions and debt restructurings.

Russell is the principal author of Thomson Reuters’ Texas Practice Guides for both Creditors’ Rights and Financial Transactions and the Texas Bankers Association’s Texas Secured Lending Guide, Texas Problem Loan Guide, Texas Real Estate Lending Guide, and Texas Account Documentation Guide. She is a frequent speaker on banking, bankruptcy, and financial restructuring-related topics and has served as a Chapter 7 Trustee. Russell received her LL.M. in Banking Law from Boston University and her J.D. from Baylor University where she was Editor-in-Chief of the Baylor Law Review and the highest-ranking graduate in her class. She clerked for the Texas Supreme Court before beginning her legal career.

Registration Options
Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279

Available Upgrades:

  • 12 Months OnDemand Playback + $110
  • 12 Months OnDemand Playback + CD + $140
  • Additional Live Access + $75 per person


May 23 2022


1:30 pm - 3:30 pm



More Info