Credit & Collection Management – April 27 2017

CREDIT & COLLECTION SEMINAR

Date: Apr. 27, 2017 (Thursday)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
GARY JOSEPH C. SANTOS, LLB
Trainer in Credit & Collection and Small Claims Cases/Court, Consultant
for Various Lending, Distribution, Real Estate and Transportation Firms

SEMINAR FEE
1. For Member only- P2,600

2. Non-Member/Delinquent – P2,900

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

Non-Refundable commitment fee of P1,400.00 per participant.

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

EXPECTED PARTICIPANTS
Head of Credit Department, Loan Officer, Microfinance Officer, Credit,
Billing and Collection Supervisors and Managers, Finance Officers and CIs

DEADLINE TO SUBMIT REGISTRATION: April 24, 2017.

Overview

An efficient Credit & Collection Team improves asset quality and realizes
profit, not to mention its vital role in minimizing risk of monetary
losses brought by costly collection and litigation expense. The seminar
hopes to realize the participants that there is more in Collection than
just collecting money.

Objectives
At the end of the Seminar, participants are expected to:
• Draft or improve existing Credit and Collection Policies, Procedure and
Guidelines
• Strengthen Credit Evaluation and Risk Management Practices (BSP Cir. 855)
• Be able to minimize risk in granting credit
• What to look at in evaluating credit application
• Know the Key Result Areas of Credit and Collection
• Avoid loop holes in implementing Legal Remedies
• Know the appropriate Legal Remedy for a particular portfolio
• Know the Best Practices in Credit and Collection

Course Outline
1) Credit Management
a) Nature of Credit
b) Importance of Credit and Collection
c) Six Cs of Credit/ Basis of Granting Credit
d) Establishing an Appropriate Credit Risk
e) Sound Credit Granting Process
f) Maintaining an Appropriate Credit Admin, Measurement and Monitoring
Process
g) Maintaining an Appropriate Credit Control Process

2) Collection Management
a) Concept of Collection Management
b) Basis of Collection
c) Bucketing your receivables
d) Pre Delinquency Activities
e) Collection Activities
f) Tele Collection Techniques
g) Demand Letters –Essential contents
h) Legal Remedies

CS-CredCollect-Apr17 Downloads file click here
CIR CredCollect-Apr17 Downloads file click here

Operational Risk Management Training – April 21-22 in Butuan City

CARBAF-ADVISORY:

Please be informed that the OPERATIONAL RISK MANAGEMENT training has
been moved to APRIL 20-21, 2017 from APRIL 6-7, 2017 due to changes
in the schedule of the resource person, Mr. Don Sumadchat.

Expected participants are Presidents, Directors, Compliance Officers,
Internal Auditors, Managers, Risk Management Officers, IT officers and
Human REsource Managers.

Registration fee is @ 6,500.00 per participant to cover meals,
handouts and other miscellaneous expenses. This is a live out
seminar. You may ask the assistance of CARBAF Secretariat at
butuancityrb@yahoo.com or cell#09173104659, landline (085)341-5019,
fax# (085)815-5055 ask for Ivan or Bella.

The venue remains the same.

Nomination Form-ORMS – carbaf Download file click here
TM OpRiskMgmnt-BXU Download file click here

Cir AMLA Seminar -April 29 in Iloilo City

RISK BASED AUDIT METHODOLOGY

Date: April 28-29, 2017 (Fri-Sat.)
Venue: Small Ville 21 Hotel, Iloilo City
Time: 8:30am to 5:00pm

RESOURCE PERSON
MR. JERALD MICIANO
Bank Officer V, AMLSG BSP

MR. JOEMEL D. SANTOS
Bank officer V
AMLSG, BSP

SEMINAR FEE
1. For Member only -P 2,500.00

2. Non-Member – P4,000.00

For additional inquiries please contact:

Ms. Emily Lampino
Contact Numbers: (033) 320-8053, 09186222502, 09989801239
Email Add: ifrb_kings_queens@yahoo.com

Seminar Methodologies

Lecture and Discussions

Expected Participants

President, Directors, Compliance Officer, Internal Auditors, Managers,
Tellers, Loan Officers

Course Outline
I. Review of Highlights of Circular No. 706
II. Background on the amendments
III. Amendments to Circular No. 706
IV. AML Risk Rating System
V. Question and Answer

Cir- AMLA Seminar – Iloilo Download file click here

Cir Risk Based Audit Methodology -April 28-29 in Iloilo City

RISK BASED AUDIT METHODOLOGY

Date: April 28-29, 2017 (Fri-Sat.)
Venue: Small Ville 21 Hotel, Iloilo City
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 only
a. Early bird – P5,000 (on or before Mar 10 2017)
b. Regular Rate – P5,500 (After Mar 10 2017)

2. Non-Member/Delinquent – P6,500

For additional inquiries please contact:

Ms. Emily Lampino
Contact Numbers: (033) 320-8053, 09186222502, 09989801239
Email Add: ifrb_kings_queens@yahoo.com


I. Objectives
This seminar-workshop aims to help participants understand the role of
internal audit function in the Bank and how to implement, manage and
benefit from risk based auditing methodology.

At the end of the seminar –workshop, it is expected that the participants:
• Appreciate the rationale of adopting of risk-based internal audit
methodology
• Understand the requirements of the BSP on internal audit function
• Understand the International Professional Practice Framework on Internal
Auditing
• Recognize the role of internal audit in corporate governance, risk
management and controls
• Comprehend the Internal Control Framework
• Understand the process of developing and implementing a risk-based
internal audit methodology

Requirements:
1) Laptop
2) Prior to the attendance to the seminar-works, the participants are
expected to have studied/read the following documents pertaining to their
Bank, to wit:
➢ Strategic Plans and Programs
➢ Mission/Vision Statement (if any)
➢ Organizational Structure
➢ Manual of Operation
➢ Latest BSP Results of Examination
➢ Latest Audited Financial Statement

Download file click here

Risk Based Audit Methodology Seminar – Mar 03-04 2017

RISK BASED AUDIT METHODOLOGY

SCHEDULE
Date: Mar. 03-04, 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 only
a. Early bird – P4,500 (on or before Feb 10 2017)
b. Regular Rate – P4,800 (After Feb 10 2017)

2. Non-Member/Delinquent – P5,520

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
Compliance Officer, Internal Auditor, Risk Management Manager, Credit Risk
Officer, Risk Management Committee –Director, President, Branch Managers

DEADLINE TO SUBMIT REGISTRATION: February 27, 2017.

I. Objectives
This seminar-workshop aims to help participants understand the role of
internal audit function in the Bank and how to implement, manage and
benefit from risk based auditing methodology.

At the end of the seminar –workshop, it is expected that the participants:
• Appreciate the rationale of adopting of risk-based internal audit
methodology
• Understand the requirements of the BSP on internal audit function
• Understand the International Professional Practice Framework on Internal
Auditing
• Recognize the role of internal audit in corporate governance, risk
management and controls
• Comprehend the Internal Control Framework
• Understand the process of developing and implementing a risk-based
internal audit methodology
Requirements:
1) Laptop
2) Prior to the attendance to the seminar-works, the participants are
expected to have studied/read the following documents pertaining to their
Bank, to wit:
➢ Strategic Plans and Programs
➢ Mission/Vision Statement (if any)
➢ Organizational Structure
➢ Manual of Operation
➢ Latest BSP Results of Examination
➢ Latest Audited Financial Statement

Course Outline

➢ Why adopt risk-based audit methodology?
➢ What is a risk-based audit methodology?
➢ International Professional Practice Framework on Internal
Auditing (Definition, Code of Ethics, Intl. Standard Professional Practice
on Internal Auditing)
➢ BSP’s requirement on Internal Audit Function vis-à-vis Nature of
Work of Internal Audit Activity based on ISPPIA
➢ Governance, risk management and controls
➢ COSO Internal Control Framework
➢ Strategic Planning
➢ Engagement Planning
➢ Performing the Engagement
➢ Communicating Results
➢ Monitoring Progress

CIR RiskBasedAudit-Mar17 Download file click here

CS-RiskBasedAudit-Mar17 Download file click here

Credit Investigation Seminar – Mar 16 2017

CREDIT INVESTIGATION SEMINAR

SCHEDULE

Date: Mar. 16, 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 only
a. Early bird – P2,600 (on or before Mar 10 2017)
b. Regular Rate – P3,200 (After Mar 10 2017)

2. Non-Member/Delinquent – P3,840

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: March 10, 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-Mar17.pdf Download file click here

CS-CI-Mar17 Download file click here

Accounting for Non-Accountants – Mar 27-28 2017

ACCOUNTING FOR NON-ACCOUNTANTS TRAINING

SCHEDULE

Date: Mar. 27-28, 2017 (Mon-Tue)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSONS
Dr. Daniel Vincent Borja – Professor, UP– CBA
Mr. Diogenes Dy, CPA – Lecturer – UP-CBA

SEMINAR FEE
1. For Member only
a. Early bird – P4,500 (on or before Mar 10 2017)
b. Regular Rate – P4,800 (After Mar 10 2017)

2. Non-Member/Delinquent – P5,760

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

Non-Refundable commitment fee of P2,250.00 per participant.

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

DEADLINE TO SUBMIT REGISTRATION: March 22, 2017.

Objectives:
1. Explain the accounting process, structure accounting entries, and
recognize basic lapses in transaction recording and financial reporting;
2. Appreciate the contents, purpose, usage, and limitations of financial
statements.
3. Install basic internal controls to safeguard assets and maintain the
integrity of the accounting and financial reporting process.
4. Develop company accounting policies and procedures.

Expected Participants
For individuals without an accounting background but who need to
understand and appreciate how business transactions are recorded,
summarized, and interpreted for commercial decision-making purposes.

Seminar Methodologies
Lecture and Workshops

Course Outline

I. Framework for Accounting
a. Objectives of Financial Statements
b. Users of Accounting Information
c. Characteristics of Accounting Information
d. Traditional Assumptions

II. Basic Financial Statements
a. Understanding the balance sheet
b. Understanding the Income Statement
c. Understanding the Statement of Cash Flow
d. Elements of Financial Statements

III. Financial Statement Analysis
a. Common Size Financial Statements
b. ROE – Dupont Framework
c. Benchmarking
d. Trend Analysis

IV. Ratio Analysis
a. CAMELS Rating
b. Analysis of the Quality of Earnings

CIR-AFNA-Mar17 Download file click here

CS-AFNA-Mar17 Download file click here

Risk Based Audit Methodology Seminar – Mar 03-04 2017

RISK BASED AUDIT METHODOLOGY

SCHEDULE
Date: Mar. 03-04, 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 only
a. Early bird – P4,500 (on or before Feb 10 2017)
b. Regular Rate – P4,800 (After Feb 10 2017)

2. Non-Member/Delinquent – P5,520

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
Compliance Officer, Internal Auditor, Risk Management Manager, Credit Risk
Officer, Risk Management Committee –Director, President, Branch Managers

DEADLINE TO SUBMIT REGISTRATION: February 27, 2017.

I. Objectives
This seminar-workshop aims to help participants understand the role of
internal audit function in the Bank and how to implement, manage and
benefit from risk based auditing methodology.

At the end of the seminar –workshop, it is expected that the participants:
• Appreciate the rationale of adopting of risk-based internal audit
methodology
• Understand the requirements of the BSP on internal audit function
• Understand the International Professional Practice Framework on Internal
Auditing
• Recognize the role of internal audit in corporate governance, risk
management and controls
• Comprehend the Internal Control Framework
• Understand the process of developing and implementing a risk-based
internal audit methodology
Requirements:
1) Laptop
2) Prior to the attendance to the seminar-works, the participants are
expected to have studied/read the following documents pertaining to their
Bank, to wit:
➢ Strategic Plans and Programs
➢ Mission/Vision Statement (if any)
➢ Organizational Structure
➢ Manual of Operation
➢ Latest BSP Results of Examination
➢ Latest Audited Financial Statement

Course Outline

➢ Why adopt risk-based audit methodology?
➢ What is a risk-based audit methodology?
➢ International Professional Practice Framework on Internal
Auditing (Definition, Code of Ethics, Intl. Standard Professional Practice
on Internal Auditing)
➢ BSP’s requirement on Internal Audit Function vis-à-vis Nature of
Work of Internal Audit Activity based on ISPPIA
➢ Governance, risk management and controls
➢ COSO Internal Control Framework
➢ Strategic Planning
➢ Engagement Planning
➢ Performing the Engagement
➢ Communicating Results
➢ Monitoring Progress

CS-RiskBasedAudit-Mar17 Download file click here

CIR RiskBasedAudit-Mar17 Download file click here

Credit Investigation Seminar – Mar 16 2017

CREDIT INVESTIGATION SEMINAR

SCHEDULE

Date: Mar. 16, 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 only
a. Early bird – P2,600 (on or before Mar 10 2017)
b. Regular Rate – P3,200 (After Mar 10 2017)

2. Non-Member/Delinquent – P3,840

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: March 10, 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.

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-Mar17 Download file click here

CS-CI-Mar17 Download file click here

Comprehensive Appraisal Seminar -Mar 17-18

COMPREHENSIVE PROPERTY APPRAISAL SEMINAR

SCHEDULE

Date: Mar.17-18, 2017 (Fri-Sat)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Engr. Ferdinand A. Bocobo Senior Property Manager, BDO
Trainer, Consultant

SEMINAR FEE
1. Early bird – P4,500 (on or before Feb 28, 2017)
2. Regular Rate – P4,800 (after Feb. 28, 2017)
3. Non-Member/Delinquent – P5,760

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

DEADLINE TO SUBMIT REGISTRATION: Mar 13, 2017.

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-Mar17 Download file click here

CS-CAppraisal-Mar17 Download file click here

Accounting for Non-Accountants – Mar 27-28 2017

ACCOUNTING FOR NON-ACCOUNTANTS TRAINING

SCHEDULE

Date: Mar. 27-28, 2017 (Mon-Tue)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSONS
Dr. Daniel Vincent Borja -Professor, UP– CBA
Mr. Diogenes Dy, CPA -Lecturer – UP-CBA

SEMINAR FEE
1. For Member only
a. Early bird – P4,500 (on or before Mar 10 2017)
b. Regular Rate – P4,800 (After Mar 10 2017)

2. Non-Member/Delinquent – P5,760

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

Non-Refundable commitment fee of P2,250.00 per participant.

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

DEADLINE TO SUBMIT REGISTRATION: March 22, 2017.

Objectives:
1. Explain the accounting process, structure accounting entries, and
recognize basic lapses in transaction recording and financial reporting;
2. Appreciate the contents, purpose, usage, and limitations of financial
statements.
3. Install basic internal controls to safeguard assets and maintain the
integrity of the accounting and financial reporting process.
4. Develop company accounting policies and procedures

Course Outline

I. Framework for Accounting
a. Objectives of Financial Statements
b. Users of Accounting Information
c. Characteristics of Accounting Information
d. Traditional Assumptions

II. Basic Financial Statements
a. Understanding the balance sheet
b. Understanding the Income Statement
c. Understanding the Statement of Cash Flow
d. Elements of Financial Statements

III. Financial Statement Analysis
a. Common Size Financial Statements
b. ROE – Dupont Framework
c. Benchmarking
d. Trend Analysis

IV. Ratio Analysis
a. CAMELS Rating
b. Analysis of the Quality of Earnings

CIR-AFNA-Mar17 Download file click here

CS-AFNA-Mar17 Download file click here

2017 Golf Tournament

golf-big

Download file for details click here

64th Annual National Convention & General Membership Meeting

64th-anc-big

36th Mindanao Rural Banker Credit Management Conference

mmcc-big

2017 MMC Circular Download file click here

INVITATION FOR SPONSORS Download file click here

Amendment of Circular No. 910 dated 22 April 2O16