The Loan Sharing Agreement is a critical document used in the Irish financial services sector when multiple lenders wish to participate in a single loan facility while maintaining a streamlined approach to loan administration and borrower engagement. This agreement type is particularly relevant in scenarios involving syndicated lending, club deals, or loan participation arrangements where risk sharing and efficient administration are paramount. The document comprehensively addresses the rights and obligations of all parties, incorporating specific requirements under Irish financial regulations and EU directives. As a Loan Sharing Agreement, it typically includes detailed provisions for payment mechanics, voting rights, transfer provisions, and regulatory compliance requirements, making it essential for both domestic and cross-border lending arrangements involving Irish financial institutions.
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1. Parties: Identifies and defines all parties to the agreement, including lenders, loan administrator, and any security trustee
2. Background: Sets out the context of the agreement and the parties' intentions regarding the loan sharing arrangement
3. Definitions and Interpretation: Defines key terms used throughout the agreement and establishes interpretation principles
4. Loan Participation Structure: Details the mechanism for sharing the loan, including participation percentages and transfer provisions
5. Risk Sharing Arrangements: Specifies how risks, losses, and recoveries are shared between participants
6. Payment and Distribution Mechanics: Establishes procedures for collecting and distributing loan payments among participants
7. Administration and Servicing: Details the appointment and duties of the loan administrator/agent
8. Representations and Warranties: Sets out the representations and warranties given by each party
9. Covenants: Specifies ongoing obligations of the parties throughout the term of the agreement
10. Events of Default: Lists circumstances constituting default and corresponding remedies
11. Regulatory Compliance: Addresses compliance with relevant banking, consumer protection, and data protection regulations
12. Confidentiality: Sets out obligations regarding the treatment of confidential information
13. Notices: Specifies how formal communications between parties should be made
14. Governing Law and Jurisdiction: Confirms Irish law as governing law and establishes jurisdiction for disputes
15. Boilerplate Provisions: Standard contractual provisions including severability, entire agreement, and amendments
1. Security Arrangements: Include when the shared loan is secured by collateral, detailing security structure and enforcement rights
2. Inter-creditor Provisions: Required when there are multiple classes of lenders or priority arrangements
3. Special Purpose Vehicle Provisions: Include when the loan sharing involves an SPV structure
4. Tax Provisions: Detailed section needed when tax implications are complex or cross-border elements exist
5. Regulatory Capital Requirements: Include for agreements involving regulated financial institutions subject to capital requirements
6. Secondary Market Trading Provisions: Include if participations are intended to be tradeable
7. Step-in Rights: Include when certain participants have rights to take over administration or enforcement
8. Data Protection Specific Provisions: Enhanced section needed when extensive personal data processing is involved
1. Schedule 1 - Loan Details: Detailed information about the underlying loan(s), including terms, conditions, and borrower information
2. Schedule 2 - Participation Percentages: Lists all participants and their respective participation percentages
3. Schedule 3 - Administration Procedures: Detailed procedures for loan administration, including payment calculations and reporting requirements
4. Schedule 4 - Forms of Transfer: Standard forms for transferring participations
5. Schedule 5 - Fee Structure: Details of all fees, including administration fees and any transfer fees
6. Schedule 6 - Reporting Requirements: Templates and procedures for regular reporting to participants
7. Appendix A - Contact Details: Contact information for all parties and authorized representatives
8. Appendix B - Compliance Requirements: Detailed regulatory compliance procedures and requirements
Authors
Relevant legal definitions
Clauses
Relevant Industries
Banking
Financial Services
Investment Management
Insurance
Private Equity
Asset Management
Corporate Finance
Real Estate Finance
Infrastructure Finance
Commercial Lending
Relevant Teams
Legal
Finance
Compliance
Risk Management
Treasury
Credit
Syndications
Operations
Regulatory Affairs
Investment
Portfolio Management
Transaction Management
Banking Operations
Structured Finance
Relevant Roles
Chief Financial Officer
Head of Legal
Senior Legal Counsel
Compliance Officer
Risk Manager
Treasury Manager
Syndication Manager
Loan Administrator
Credit Risk Officer
Portfolio Manager
Investment Manager
Structured Finance Manager
Transaction Manager
Banking Operations Manager
Regulatory Compliance Manager
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