Credit Analysis & Loan Packaging Seminar – Sept 27-28, 2018 RBAP Intramuros

CREDIT ANALYSIS & LOAN PACKAGING SEMINAR

Date: Sept. 27-28, 2018  (Thu.- Fri.)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Ms. Maria Julma M. Jongco
– Financial Services Advisor/Consultant –(Bank, Insurance & SME), Trainer

SEMINAR FEE
1. For Member  – P4,600 /person
2. Non-Member/Delinquent –   P5,100/person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P2,000.00 /pax is
required, but its deducted from the total registration fee.

Bank:  LBP – Intramuros, Branch
Account Name: RBRDFI
SA No. 0012-1046-26.
Telefax  (02) 527-2969 /527-2980

EXPECTED PARTICIPANTS
Marketing & Business Dev. Officer, Loan Officers, Account Officers,
Remedial & Credit Officers, Branch Managers

DEADLINE TO SUBMIT REGISTRATION:September 14, 2018.

Course Objectives
•       Understand the lending process cycle
•       Identify relevant criteria to assess credit worthiness
•       Provide theoretical basis for credit principles and process
•       Develop the appropriate loan package based on actual, identified, and
cash flow analysis.
•       Perform Credit Analysis in reviewing financial statements.
•       Use a common spreadsheet format in analyzing financial statements
Methodologies
Course discussion is at lenders/account officers and decision makers’
point of view. Combination of lecture and workshops and a short lecture,
exercises on account profitability analysis, financial spreadsheet and
financial and cash flow analysis. Writing a credit proposal.
•       Laptop and calculator
•       Sample loan approval ***
Course Outline
DAY 1
➢        Settling the Lending Criteria and eligibility requirements.
➢        Overview of BSP relevant circulars pertaining to credit evaluation.
➢        Guidelines in prescreening the borrower and know the essential
information needed.
➢        Credit Principles and the credit process
➢        Management Evaluation
➢        Business organization Analysis
➢        Industry and market Analysis
➢        Collateral evaluation
➢        Financial analysis and cash flow
➢        Recognizing why business Fail
DAY 2
➢        Types of Credit Facilities/loan products
➢        Amortization schedule
➢        Discount versus in arrears interest
➢        Determination of working capital and project cost estimate
➢        Standard Line Wording
➢        Credit Risk Rating evaluation in loan packaging
➢        Credit Proposal Writing
➢        Loan Packaging Exercise
•       for selected accounts.
Summary
•       Stress the importance of having credit policies, procedures and credit
risk management system in place.
•       Highlighting the BOD role and responsibilities
•       Advises FI to perform GAP Analysis as required by BSP Cir. 855