Part II: Strengthening Credit Risk Management of RBs – July 31 to Aug. 1

FOR                        : ALL PARTICIPATING RURAL BANKS

FROM                    : Ma. Corazon L. Miller, Chairperson

Dear Fellow Rural Bankers:

As part of the Rural Bankers Association of the Philippines (RBAP) continuing strategy to strengthen the rural banking industry, the Rural Bankers’ Research and Development Foundation, Inc. (RBRDFI), and in joint partnership with SB Corporation, one of the National Government’s largest providers of SME development financing and small credit delivery system, will be conducting two (2) days seminar on:

Course Title:     Part II : Strengthening Credit Risk Management of RBs

  1. A. Financial Statements: Analysis, Validation and Reconstruction
  2. B. Borrowers Risk Rating (BRR) / Facility Risk Rating (FRR) Scorecard

Speaker : Ms. Celenita V. Francisco

Banker / Bank Consultant / Trainor

Venue:                 RBAP Conference Room, RBAP Bldg., A. Soriano Ave., cor.

Arzobispo St., Intramuros, Manila

Schedule:            July 31 – August 1, 2012 (Tuesday-Wednesday), 8:30AM -5:00PM

Participants: Senior & Middle Level Loan Officers / Auditors / Credit and

Appraisal Officers, Credit Risk Officers


Attendance in any one of the following trainings:  Credit Risk Management for

Bank Directors and Senior Management or Strengthening Bank Credit Risk Management.

Course Objective:

To complete the credit risk management awareness and appreciation of rural bank owners, officers, and staff by their adoption of a risk-based lending technology and best banking practices in credit to address the increasing pressure to expand and diversify their loan portfolio and address fast changing banking regulations.

Course Content 

  1. I.    Regulatory Basis: BSP Circular 439
  2. II.    Refresher Course on Basic Financial Statements

(including ratio analysis)

  1. Foundational Requisites for Proper Use of the BRR System
  2. Validating, Analyzing and Recasting

Financial Statements (including

interview techniques)

  1. V.    CAMP Analysis/Borrower Risk Rating (BRR) System


Course Content 


  1. The Borrower Risk Rating

Scorecard: Risk Identification &

Mitigation and Credit Decision


  1. The Facility Risk Rating Scorecard


  1. Relationship between Borrower Risk Rating (BRR) and Facility Risk Rating (FRR)

Only one (1) participant per bank will be allowed since these training courses are on a 50% – 50% cost sharing with the Small Business Corporation.

Acceptance of reservation is on first come, first-served basis; only forty (40) participants will be accommodated.


Registration Fee:

a)     Two Thousand Two Hundred Fifty Pesos only (P2,250.00) for two (2) days.

b)    Two Thousand Seven Hundred Pesos only (P2,700.00) for non-member rural banks. To avail of the regular registration fee, non-member banks are encouraged to apply for membership with RBAP/RBRDFI. Please call RBAP for details.

c)     This is a live-out seminar. Seminar fee includes snacks, training kit and certificate of attendance.


For your reservations, kindly observe our training policies:

  1. Deadline for submission of registration is July 27, 2012.

a) confirmation sheet duly signed by the authorized representative.

  1. 2. A Non-Refundable commitment fee of P1,125.00 per participant. Payments can be remitted to the Rural Bankers Research and Development Foundation, Inc. bank account (Land Bank of the Philippines – Intramuros Branch Savings Account Number 0012-1046-26). Proof of payment (i.e., deposit slip) should be sent immediately for verification at (02) 527-2980. Check payments, should be payable to Rural Bankers Research and Development Foundation, Inc. (RBRDFI)

To secure a copy of the registration form, kindly download the attached file by clicking the link: cir PartII SCRM

Thank you.