Internal Audit Training -A Practical Approach – Sept 22-23

INTERNAL AUDIT TRAINING (A Practical Approach)

Date: Sept 22-23, 2017 (Fri-Sat)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
MR. GIL M. SORITA, CPA, CIA,CISA, MBA
Bank Executive Officer, Accredited External Quality Assurance Validator
for Internal Audit Activity

SEMINAR FEE
1. For Member – P3,800 /person
2. Non-Member/Delinquent –P4,200 /person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P1,600.00 /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

DEADLINE TO SUBMIT REGISTRATION: Sept. 15, 2017

Course Objectives
1) To recognize and emphasize the importance of control points/processes.
a. Learn practical applications of audit and internal control
procedures.
b. Identify and be able to implement key infrastructure policies,
procedures and processes.
2) To meet BSP’s expectation on bank’s internal audit department
3) To complement risk based auditing

Expected Participants
Internal Auditor, Bookkeeper, Compliance Officer, Risk Management
Committee –Director, President, Branch Managers

Course Outline
Overview of the principles
A. BSP expectations relevant to the internal audit function
1. The internal audit function (BSP 499 s.2005)
2. Key features of the internal audit function
3. Qualification Standards of the Internal Auditor
4. Scope of activity
5. Corporate governance considerations
6. The internal audit charter
B. International Standards for the Professional Practice of Internal
Auditing (Standards)
C. Definition of Internal Auditing
D. Code of Ethics
E. Development of Internal Audit Strategic Plan
F. Difference between Internal and External audit
G. Managing the Internal Audit Department
H. Audit Objectives and the Audit Process
I. Planning the Audit
a. Introduction
b. Preliminary Survey
c. Development of an overall audit plan
d. Co-coordinating the work to be performed
J. Establishing the Degree of Reliance on Internal Control
a. Introduction
b. Identifying, documenting and testing control procedures
c. Examples of controls
d. Inherent limitations of internal control
e. Considering the influence of environmental factors
f. Determining the nature, timing and extent of substantive tests
K. Performing Substantive Procedures
a. Audit Techniques
b. Specific substantive procedure consideration
L. Communicating Results
a. Audit Findings
b. Audit Report
K. Monitoring

CIR InternalAudit-Sep17 Download file click here

CS-InternalAudit-Sep17 Download file click here

Internal Credit Risk Rating System Workshop – Sept 29-30

INTERNAL CREDIT RISK RATING SYSTEM WORKSHOP

Date: Sept 29-30, 2017 (Fri-Sat)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
MA. CRISTINA M. FAROL
Chief Risk Officer, Credit & Trust Officer, Bank Consultant and Trainer,

SEMINAR FEE
1. For Member – P3,800/per person
2. Non-Member/Delinquent – P4,200 / per person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

Non-Refundable commitment fee of P1,600.00 per participant.

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

DEADLINE TO SUBMIT REGISTRATION: September 22, 2017.

Course Objectives
1.Understand the importance of having an internal credit risk rating
system (ICRRS) to help mitigate inherent credit risks that the Bank is
exposed to from its lending activities.
2.Have an appreciation of how the ICRRS can identify and assess the risk
profile of each borrowing account.
3.Use the ICRRS as a basis of loan approvals for renewals and new loan
accounts overview, as part of the risk controls and mitigation strategies
of the Bank

Seminar Methodologies
Lecture, Discussions, and Workshop: computations and interactive exercises

Expected Participants
Loan Officers, Account Officers, Managers, Appraisers, Sales Officers,
ROPA Managers

Course Outline

• What is Credit Risk? Credit Risk Management
– Credit Culture in the Philippines
-BSP Cir. 855 on the CRR
-Expectations on the Bank’s CRR
-BSP Cir. 941 on Past Due
Rcognition
-New Appendix 18 on Loan Loss
Provisioning

• Introduction of the CRR System
a.Purpose/Function of the CRR
b.Impact to Board Reports
c. Coverage of the CRR
d. Functions of People Involved
e.CRR Components
i. Borrower Risk Rating
ii. Facility Risk Rating
• Credit Review Process
a. Purpose of credit review
b. Stages of Credit Review Process

c. Areas of Consideration in the Credit Review Process
d. Loan Loss Provisioning
e. Credit Review Reporting
f. Credit Review Responsibilities
g. CRR Monitoring and Reporting
h. Ratings Migration

• Guidelines in the Preparation of • Teaser on Financial Statement Analysis
• Sample CRR Templates as Guide for own Bank Formulation
a.Consumer Loans CRR
b.SME/Business Loan CRR
c. Identification of Red Flags
• Sample Simplified Version of CRR Template
a. Consumer Loans

CIR ICRRS-Sept17 Download file click here

CS-ICRRS-Sep17 Download file click here

ANNOUNCEMENT: RBAP 60th Charter Anniversary Symposium, Oct. 23-24, 2017 Manila Hotel

11 August 2017

TO: RBAP MEMBER RURAL BANKS
RE: 60th CHARTER ANNIVERSARY SYMPOSIUM
DATE: October 23 & 24, 2017 (Mon-Tue), Pandanggo-Polkabal Halls, Manila Hotel
———————————————————————————————————————
It is with pleasure that we invite you to the RBAP 60th Charter Anniversary Symposium on October 23 & 24, 2017 (Monday & Tuesday) at the Pandanggo-Polkabal Halls of the Manila Hotel, 1 Rizal Park, Manila.

The Annual Symposium is a national gathering of rural bank owners, directors, presidents, senior officers, key partners and other stakeholders to discuss policies, opportunities, and concerns in the industry.

“RURAL BANKS: MY BFF – MY BEST FINANCIAL FRIEND”. The theme advances the strength of the rural banking industry in its unique philosophy in delivery of financial services in the countryside. Aside from it’s competitive customized banking service and flexible terms shaped for its client’s needs, it will also feature digital advancements such as latest cloud based core banking technology that can unlock financial opportunities for the unbanked and underserved segments of the country.

Further, the symposium will uphold the rural bank’s legacy – a neighbor, a friend, and financial partner responding to the community through the years.

Attached herewith is the 2017 SYMPOSIUM CIRCULAR for complete details.

Lastly, please take note of the ff: deadlines:

15 September 2017 (Friday) – Last day for Early Bird Registration
08 September 2017 (Friday) – Deadline for Reservation & Payment for
Manila Hotel only
22 September 2017 (Friday) – Deadline for Layout/Design for Souvenir
Program Advertisements

EMAIL / FAX the ff. forms to:

1. Registration form : rbapevents@gmail.com
2. Accommodations form : jescepeda.rbap@gmail.com
3. Souvenir Program : yvette_rbap@yahoo.com

FAX NOS: (02) 527-2980 ; (02) 527-2969

You may also visit the website for updates : www.rbap.org

Looking forward to your active participation.

Download file click here Sympo 2017 circular

AMLA Seminar – Sept. 20 2017 in Hotel Jen Manila

AMLA SEMINAR

Date: September 20, 2017 (Wed)
Venue:
Carlota Paz Room
HOTEL JEN -MANILA
3001 Roxas Blvd., Pasay City
,
Time: 8:30am to 5:00pm

Resource Persons:
Janice Dino, BO -V
Gerarld Miciano, BO-IV AMLSG , Banko Sentral ng Pilipinas

SEMINAR FEE
1. For Member – P1,900
2. Non-Member/Delinquent – P2,300

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P1,000.00 /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

DEADLINE TO SUBMIT REGISTRATION: September 13, 2017.

Seminar Methodologies

Lecture /Discussions and Workshop

Expected Participants
President, Directors, Compliance Officer, Internal Auditors,
Managers, Tellers, Cashiers & Loan Officers

Course Outline

I. AMLC and Functions
II. AML Act and Its Amendments
III. Phil. Legal Framework
*Cir. No. 706 (Updated AML Rules and Regulations)
* Cir. No. 950 UARR, as Amended
* Memorandum No. M-2012 -017
IV. R.A. No. 0167 Salient Features
& R.A. No. 10365 Salient Features
V. Money Laundering Offense and Penalties
VI. AML Rules and Regulations, as Amended
*Amendments to Circular No. 706
*Legal Basis of AML Rules
* Policies of the State
*Coverage:
– BSP Covered Persons
-AML Risk Management
-Customer Identification Process
VII. AML Risk Rating System AML Risk Rating System
VIII. Question and Answer

Download Confirmation Sheet
Download CIR CODT

65th Rural Banking Consciousness Week – August 21-25, 2017

65th_consciousness_week-m

MEMORANDUM NO. 001-2017
TO: RBAP MEMBER BANKS
FROM: GIOVANNI D. GABRIENTO, President
DATE: 03 AUGUST 2017
SUBJECT: 65TH RURAL BANKING CONSCIOUSNESS WEEK – AUGUST 21-25, 2017

Pursuant to Presidential Proclamation No. 362 issued on 24 August 2000 (see attached), the Rural
Bankers Association of the Philippines spearheads the celebration of the “Rural Banking
Consciousness Week” this August 21-25, 2017.

The theme for this year is “Rural Banks: Better Access to Financial Services in the Countryside”.
Our nationwide reach placed rural banks at the forefront of financial inclusion wherein the farmers
and fisher folks, and millions of household in the countryside are given access to various financial
products and services. The commitment of the industry is to spur growth and development in the
communities that we serve. It is vital that a continuing effort to educate the Filipinos about the
contribution of rural banks in economic development is sustained.

We request all rural banks to join us in celebrating the Rural Banking Consciousness Week by
displaying the prescribed tarpaulin layout (see attached) in the premise of all of your offices and
branches from August 21 to 25, 2017. The preferred size is 3 ft. x by 8 ft. but may be adjusted
accordingly.

Thank you and Mabuhay ang Rural Banking!

Very truly yours,
GIOVANNI D. GABRIENTO
President

Download official memo in PDF format:
Memorandum_001-2017_RB WEEK

Download Tarp

Cash Flow Statement – Understanding & Analyzing – Sept 16 2017

CASH FLOW STATEMENT – UNDERSTANDING, INTERPRETING AND ANALYZING

Date: Sept 16, 2017 (Sat.)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Belle Noreen Castillo –Estrada, CPA
– CFO, Bank Manager –Account Management /Treasury and Faculty Member

SEMINAR FEE
1. Member – P2,500 /person
2. Non-Member/Delinquent – P2,800 /person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

Non-Refundable commitment fee of P1,250.00 per participant.

Account Name: RBRDFI
SA No. 0012-1046-26.
Telefax (02) 527-2969 /527-2980

EXPECTED PARTICIPANTS
Loan Officers, Remedial & Credit Officers, Branch Managers, President,
Directors

DEADLINE TO SUBMIT REGISTRATION: Sept. 08, 2017.

Course Objectives

1. To emphasize the primary purpose of the Cash Flow Statement.
2. To analyze in detail the relationship between cash and changes in
assets, liabilities and equity accounts; to allow the participants to
understand the full integration of the income statement, balance sheet and
cash flow statement.
3. To help the participants understand and interpret the Cash Flow
Statement.
4. To be able to use the Cash Flow Statement to evaluate a company.

Course Outline
I. PRIMARY PURPOSE OF THE CASH FLOW STATEMENT
A. Answer the basic questions:
i. Where did the cash come from during the period?
ii. What was the cash used for during the period?
iii. What was the change in the cash balance during the period?
B. Illustrate the Types of Cash Inflows and Outflows under:
i. Operating Activities
ii. Investing Activities
iii. Financing Activities
II. DISCUSS THE STEPS IN PREPARING THE CASH FLOW STATEMENT
A. Discuss the different methods in preparing the Cash Flow Statement
B. Enumerate the data needed to prepare the Cash Flow Statement:
i. Comparative Balance Sheet (current year and previous year)
ii. Income Statement for the period
iii. Other transactions that affect how the cash was provided or
used during the period
C. Discuss the steps in preparing a Cash Flow Statement
III. HOW TO USE THE CASH FLOW STATEMENT IN EVALUATING A COMPANY
A. Discuss the various ratios as a tool to analyze a company.
i. Assessing Liquidity, Solvency, and Profitability using Cash Flow
Statement
B. What is free cash flow?
IV. VARIOUS EXERCISES

CIR CFlow-Sept17 Download file click here

CS-CFlow-Sep17 Download file click here

Basic Supervision and Managing People – Sept 14-15

BASIC SUPERVISON AND MANAGING PEOPLE

Date: Sept 14-15, 2017 (Thu-Fri)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
MA. CECILIA F. SALAPANTAN
Training Consultant for Business Communications, Leadership, Team- Building,
Customer Service, and Strategic Planning.

SEMINAR FEE
1. For Member – P4,500 /person
2. Non-Member/Delinquent – P4,800 /person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P2,400.00 /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

DEADLINE TO SUBMIT REGISTRATION: Sept. 08, 2017.

Course Objectives

a)Reinforce practical skills in supervising staff and subordinate through
effective delegation, time management, etc.
b) Sustain enthusiasm in a working environment
c) Assess individual supervising styles and gathers best practices to
improve one’s own.
d) Apply realistic motivation strategies in bringing out the best in people.

Expected Participants
President, Director, Branch Managers, HR and Admin Officers and Supervisors

Course Outline
A. Basic Supervision Overview
*Handling Tasks
*Managing People
B. Handling Tasks
• Planning for success
• Committing to a Common Vision
• Setting SMART Goals
• Delivering Outputs and Meeting Expectations.
C. Leading the team
D. Organizing Tools and Creative Systems
-improving productivity through effective Performance Plans
E. Administrative –Systematizing Procedures (Decision-Making-Delegation)
F. Controlling and Supervision Performance Outputs.
G. Action Planning: Roadmap to success in Supervising People
H. Managing People
Leading the team – determining Personal SWOT
I. Understanding Different Leaderships Styles
J. Sustaining Enthusiasm in a Working Environment
-motivation, inspiration and mentoring
-bringing out the best in people
K. Communication as a Supervisor’s Success Tool
L. Handling Conflicts at Work
-understanding people
-speaking Your Truth while Being Kind and Firm
M. Action Planning: Roadmap to Success in Managing People

Activities: Individual and group work, role-plays and lectures

CIR Supv&MP-Sep17 Download file click here

CS-Supv&MP-Sep17 Download file click here

Risk Management Basic Course -Sept 7 -8

RISK MANAGEMENT BASIC COURSE

Date: Sept 07-08, 2017 (Thu-Fri)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Mr. JORGE E. DIONEDA, CPA,
Chief Risk & Financial Tech Officer, Bank Consultant in Credit
and Risk Analysis and Certified FINTECH professional.

SEMINAR FEE
1. For Member – P3,800 /person
2. Non-Member/Delinquent – P4,200 /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

DEADLINE TO SUBMIT REGISTRATION: Sept. 01, 2017.

Course Objectives

a) Understand Risk Management discipline, its history and specifc frameworks.
b) Appreciate the value of risk management tools for different types of
financial institutions.
c) Explore the use of Risk Management Tools in an actual/scenario risk
events.
d) Learn the recent significant key BSP regulations and how they applied
in rural banking.
e) Comprehend personal risk appetite and capacity.

Expected Participants
President, Risk Management Committee –Director, Branch Managers, Risk
Management Officer, Chief Compliance Officer, Head- I.T. Department

Course Outline
A. General concept of Risk Management
*Risk definition
*Risk characteristics
*Risk and Capital –(ICAAP)
B. Contextualizing Risk Management Scope
• Nature of Rural Bank’s operation.
C. Risk Management Processes and Applications
*Enterprise Risk Management Framework from COSO and Risk Management
Pillars of Basel Risk
D. Credit Risk Management
1. Credit risk framework
2. Basic components
3. Credit risk Tools and Processes of each component
* BRR/Rating/Scoring
* Facility Risk Rating
* Rating Migration
* Rating Validation
*Sample MIS reports on delinquency.

E. Operational Risk Management * History & Definition of Operational Risks
*BSP Regulations –related to Risk Management
*Operational Risk Framework

F. Management of Operational Risk arising from Financial Inclusion
Initiatives.
* Microfinance
* SME Lending
* Remittance

G. Implementation of Operational Risk Management Framework –RB
*scope and challenge of the implementation
*series of approaches and questions

H. Application : Case Analysis and video presentations

CIR RiskMgmnt-Sep17 Download file click here

CS-RiskMgnt-Sep17 Download file click here

Corporate Governance Seminar – Sept 04-05 in Iloilo City

FOR: ALL PARTICIPATING RURAL BANKS

SUBJECT: CIRCULAR LETTER: CORPORATE GOVERNANCE FOR BANK DIRECTORS

Dear Fellow Rural Bankers:
The Chamber of Iloilo Rural Banks, Inc. (CIRBI) in coordination with the
Rural Bankers Research and Development Foundation Inc. (RBRDFI) is pleased
to offer a seminar described below:

Date: September 04 – 05, 2017 (Monday and Tuesday)
Venue: SmallVille 21 Hotel Smallville Commercial Complex,
Diversion Road Mandurriao, Iloilo City
Time: Sept 4 – 11:30am to 5:30pm
Sept 5 – 8:30am to 5:30 pm

eminar Fee
1. Early bird – P6, 000.00 (On or before August 04, 2017)
2. Regular Rate – P7, 000.00 (After August 04, 2017)
3. Non RBAP Member – P8, 000.00

Mode of Payment
 Account Name – Chamber of Iloilo Rural Banks, Inc. BPI –Solis Branch
 Checking Account No.- 9243-0900-72
 Check payments, should be payable to Chamber of Iloilo Rural
Banks, Inc.

For your reservation, please coordinate to CIRBI Secretary: Ms. Emily Lampino
Contact details: (033) 508-5183; 09989801239
Email: ifrb_kings_queens@yahoo.com

Download file click here

Credit Analysis & Loan Packaging Seminar – Aug 29-30

CREDIT ANALYSIS & LOAN PACKAGING SEMINAR

Date: Aug. 29-30, 2017 (Tue.- Wed.)
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 – P3,800 /person

2. Non-Member/Delinquent – P4,200/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: August 22, 2017.

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
The course will be discussed in the point of view of lenders/account
officers and decision makers. We will use a combination of lecture and
workshops. There will be 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
➢ Determination of working capital and project cost estimate.
➢ Lending process flow overview
➢ Types of Credit Facilities
➢ Amortization schedule
➢ Discount versus in arrears interest
DAY 2
a. Account Profitability Analysis
b. Collateral evaluation
c. Financial analysis and cash flow
d. Relevant Ratios
e. Understanding the spreadsheet
f. Standard Line Wording
g. Credit Proposal Format
h. Actual Credit Proposal preparation
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

CIR Credit&LoanPack-Aug17 Download file click here

CS-Credit&LoanPack-Aug17 Download file click here

Remedial Management Seminar – Aug 24-25 2017

REMEDIAL MANAGEMENT SEMINAR

Date: Aug. 24-25, 2017 (Thursday -Friday)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Mr. Tito C. Tirones
– Bank & SME Consultant/Trainer
Judge Maria Zenaida Bernadette Mendiola
-RMC Lawyer/Bank Trainer -Consultant

SEMINAR FEE
1. For Member only – P3,900 /person
2. Non-Member/Delinquent – P4,200 / person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

Non-Refundable commitment fee of P2,400.00 per participant.

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

EXPECTED PARTICIPANTS
President, Director, Loan Officers, Remedial & Credit Officers, Branch
Managers

DEADLINE TO SUBMIT REGISTRATION: Aug. 18, 2017.

Course Objectives
• The course will establish the fundamentals of loan accounts management,
Remedial Accounts
Management and recovery.
• Enable the participants to gain actual and factual lessons in the
conduct of Accounts Remedial
Management.
• Provide insight of another possible approach of conducting ARM
• Acquaint in various legal strategies in handling problem accounts
• Be familiar with the basic legal provisions relative to the foregoing
remedies, to differentiate one
from the other, to avoid common legal pitfalls in the application.
Course Outline

DAY 1
a. General Overview of Accounts Management.
Why go in Remedial Management
The importance of RM in the overall account management process
Actual practice of RM vs what should have been.

b. Risk Identification Process
How a loan becomes a problem
Early Warning Signs of a Deteriorating Account

c. Remedial Management Process
Organizational set-up or RM Unit.
Mindset of officers in handling RM accounts
Actual handling of Remedial Accounts

DAY 2
I. Legal Strategies in Remedial Management
Preliminary Steps
Non-adversarial methods
Adversarial proceedings

II. Basic Legal Concepts, Related Laws and Legal Requirements
a. Dacion en Pago
b. Restructuring
c. Rehabilitation
d. Foreclosure (REM,CHM, Pledge, Deed of Assignment)
e. Collection Cases
f. Filing of Criminal Cases

CIR RemedialMgnt-Aug17 Download file click here

CS-RemedialMgnt-Aug17 Download file click here

Comprehensive Property Appraisal Seminar -Aug 11-12

COMPREHENSIVE PROPERTY APPRAISAL SEMINAR

Course Objectives
1) Provide participants the required knowledge and the skills to perform
property valuations in line with internationally accepted standards and
best practices.
2) Provides solid foundation in basic appraisal principles.
-to render a sound estimate of value of real estate of a given time
and for
a specific purpose.
-to guide on the analysis and qualifying data that needs to be collected
and reviewed during the appraisal process.
3) Learn the three main approaches to value and other methods of valuation
in reaching a sound opinion of value.
4) Provides information on how to read and map of a subject property –
delete, no longer part of outline since time consuming. Instead put –
Provides information on Site Inspection and Analysis
5) Demonstrates practical writing exercises necessary to produce
convincing appraisal reports in daily practice.
Seminar Methodologies
Lecture, Discussions, and Workshop: computations and drawing

Expected Participants
Loan Officers, Account Officers, Managers, Appraisers, Sales Officers,
ROPA Managers

Course Outline

• Definition of Appraisal
-purpose and appraisal process
• Definition of Price, Cost, Value and Market Value
• Other Values That May Be Determined by Appraisal
• Characteristics of Value
• Factors that Influence Value
• Appraisal Principles of Property Value
* Principle of Highest and Best Use
-Covers the relationship between market analysis and highest and best use.
• Basic Appraisal Requirements
• Collateral Acceptability
• Collateral Non-Acceptability
• Site Inspection and Analysis
• Appraisal Report Writing
• Code of Ethics
• Salient Features of Real Estate Service Act 9646
• Primary Methods of Valuation
• Other Methods of Valuation

CIR CAppraisal-Aug17 Download file click here

CS-CAppraisal-Aug17 Download file click here

Credit Investigation Seminar – Aug 10 2017

CREDIT INVESTIGATION SEMINAR

Date: Aug 10, 2017 (Thu)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Engr. Elmer R. Rivera
FVP Head-CI & Appraiser, Trainer/Consultant

SEMINAR FEE
1. For Member – P2,800/per person
2. Non-Member/Delinquent – P3,000 / per person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

Non-Refundable commitment fee of P1,600.00 per participant.

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

DEADLINE TO SUBMIT REGISTRATION: August 04, 2017.

Objectives:

In this period of uncertainty, significant, accurate and timely credit
information is one of the fundamentals where a sound credit decision in
anchored. Find out how to get substantial information in a professional
way plus a quick review on the basic elements of credit.

Expected Participants
This interactive seminar is designed for personnel in the credit
department, which includes appraisers, credit investigators, loan officers
and managers, as well as front office personnel as they are all
responsible for bringing in quality credit customers.

Course Outline

I. Introduction to Credit
II. Definition of Credit
III. The Credit Process
IV. Importance of Credit
V. Types of Credit
VI. The 5 C’s of Credit and definition of each
VII. The Credit Evaluation and Analysis
VIII. The Credit Evaluator
IX. Credit Investigation as Defined
X. The Credit Investigator
XI. Objectives of Credit Investigation
XII. Sources Of Credit Information
XIII. Ways of Gathering Credit Information
XIV. Different Types of Credit Investigation
XV. Credit Investigation on Individual
XVI. Credit Investigation on Business / Corporation
XVII. Negative Checking (CMAP / NFIS)
XVIII. Bank Checking (BAP member and non-BAP member banks)
XIX. Field Checking & Different Types of Field Checking

CIR-CI-Aug17 Download file click here

CS-CI-Aug17 Download file click here

The incoming Board of Directors and Officers of the RBAP with Baguio City Mayor Mr. Mauricio Domogan after the oath-taking ceremony in Baguio City.

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Rural bankers with Senator Juan Edgardo “Sonny” M. Angara during the RBAP National Convention

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