The Master Credit Agreement serves as the cornerstone document for establishing credit relationships in Malta's financial landscape. It is primarily used when parties anticipate multiple credit facilities or a long-term lending relationship, providing a standardized framework that governs all subsequent credit arrangements. This document type is essential for financial institutions operating under Maltese jurisdiction, incorporating both domestic legal requirements and EU regulatory standards. The agreement typically includes detailed provisions for facility utilization, security arrangements, financial covenants, and compliance requirements, while allowing flexibility for specific facility terms to be agreed upon through supplemental documentation. Given Malta's position as a financial services hub, the Master Credit Agreement must align with both the Malta Financial Services Authority's requirements and broader European banking regulations.
Master Credit Agreement for Malta
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Key Requirements PROMPT example:
Master Credit Agreement
"I need a Master Credit Agreement under Maltese law for a 鈧50 million revolving credit facility between our bank and a local hotel group, including provisions for additional borrowers from their group of companies to join later in 2025."
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1. Parties: Identification of the lender(s) and borrower(s), including registration details as required under Maltese law
2. Background: Context of the agreement and relationship between the parties
3. Definitions and Interpretation: Comprehensive definitions of terms used throughout the agreement and interpretation rules
4. The Facilities: Framework terms for credit facilities, including types, purpose, and general conditions
5. Conditions Precedent: Prerequisites that must be satisfied before any utilization
6. Utilization: Procedures and requirements for requesting and obtaining credit under the facilities
7. Interest: Interest calculation, periods, rates, and payment provisions
8. Repayment: Terms and conditions for repayment of facilities
9. Prepayment and Cancellation: Provisions for voluntary and mandatory prepayment and facility cancellation
10. Tax Gross Up and Indemnities: Tax-related provisions and associated indemnities
11. Increased Costs: Provisions dealing with changes in costs due to regulatory or legal changes
12. Representations: Borrower's representations and warranties
13. Information Undertakings: Borrower's obligations to provide financial and other information
14. Financial Covenants: Key financial ratios and requirements to be maintained
15. General Undertakings: General positive and negative covenants
16. Events of Default: Circumstances constituting default and consequences
17. Changes to Parties: Assignment and transfer provisions
18. Payment Mechanics: Technical provisions regarding payments
19. Set-off: Rights of set-off under Maltese law
20. Notices: Communication procedures and requirements
21. Calculations and Certificates: Provisions regarding calculations and evidential value of certificates
22. Governing Law and Enforcement: Choice of Maltese law and jurisdiction provisions
1. Multi-currency Provisions: Additional provisions for multi-currency facilities, if applicable
2. Security: Security package details, if the facility is secured
3. Guarantee: Guarantee provisions if there are guarantors
4. Syndication Provisions: Additional provisions for syndicated facilities with multiple lenders
5. Bank Products: Provisions for additional banking services if offered alongside credit facilities
6. Subordination: Provisions regarding priority of payments if there are multiple creditors
7. EU Bail-in Provisions: Required for agreements with EU credit institutions
8. Reference Rate Provisions: Detailed provisions for benchmark rates if using specific reference rates
9. Majority Lenders: Decision-making provisions for syndicated facilities
1. Conditions Precedent: Detailed list of required documents and conditions
2. Form of Utilization Request: Standard form for requesting utilization of facilities
3. Form of Transfer Certificate: Standard form for transferring commitments/loans
4. Form of Compliance Certificate: Template for periodic compliance certification
5. Existing Security: Details of any existing security arrangements
6. Form of Accession Deed: Template for additional borrowers/guarantors joining
7. Financial Covenant Calculations: Detailed methodology for financial covenant calculations
8. Timetables: Operational timelines for various actions under the agreement
9. Contact Details: List of authorized contacts and notice details
10. Existing Facilities: Details of any existing facilities being governed by the agreement
Authors
Relevant legal definitions
Clauses
Relevant Industries
Banking and Financial Services
Corporate Lending
Real Estate and Construction
Manufacturing
Retail and Commerce
Hospitality and Tourism
Technology and Communications
Maritime and Shipping
Healthcare
Energy and Utilities
Professional Services
Investment Services
Insurance
Gaming and Entertainment
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Credit Administration
Operations
Documentation
Relationship Management
Transaction Management
Portfolio Management
Security Administration
Regulatory Reporting
Corporate Advisory
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Compliance Officer
Risk Manager
Credit Officer
Relationship Manager
Corporate Banking Manager
Financial Controller
Senior Legal Advisor
Banking Operations Manager
Credit Risk Analyst
Senior Compliance Manager
Corporate Finance Manager
Transaction Manager
Documentation Specialist
Facility Agent
Security Trustee
Portfolio Manager
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