An insurance and investment professional with over 20 years of experience, James Giacin has served in multiple leadership roles at companies in and around St. Louis, Missouri. Using his knowledge of insurance mergers and acquisitions and structured finance, James Giacin leads St. Louis-based teams which create products and services tailored to clients’ funding needs.

Structured finance instruments, utilized by large corporations, governments, or other related organizations, fill roles occupied by traditional loans for individuals or smaller businesses. They also act as a primary instrument type in emerging markets.

Structured finance instruments consist of multiple asset types, like collateralized debt obligations (CDOs) or collateralized bond obligations (CBOs), so companies can alter liquidity more readily than traditional financial products. A certain instrument contains multiple loans or bonds according to associated risk, and interested clients purchase portions of the pool.

Structured finance instruments can increase the capital available to a company or shift investment risk away from investors. They can also allow borrowers with poorer credit ratings to receive capital when they might otherwise not qualify for traditional loans.