... bankruptcy and insolvency process Reliable credit reporting agencies allowing banks to obtain borrower histories and credit scores Standards for effective exchange of credit information and customer experience ... forecasting models Handout: Sample Cash Flow Statements Section V Credit Structuring & Covenants Types of Credit Facilities – – – – – – – Lines of Credit Support short term working capital cycles, financing ... worth, contingent liabilities Interest and debt service reserves Other credit facilities, position of other creditors, intercreditor issues Intercompany flows and guarantees, borrowing arrangements...