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Credit Analysis & Loan Packaging Seminar – July 11-12, 2019 RBAP Intramuros

CREDIT ANALYSIS & LOAN PACKAGING SEMINAR

Date: July 11-12, 2019  (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: July 05, 2019.

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

ONLINE REGISTRATION
https://forms.gle/mUkv9kBk4WevfckT6