Risk Management Basic Course -April 20-21, 2018 in Bacolod City

The Negros Occidental Federation of Rural Bankers (NOFRB), and the Rural
Bankers Research and Development Foundation, Inc. (RBRDFI), are pleased to
announce the conduct of a Two-day training described below:

Training Topic: RISK MANAGEMENT BASIC COURSE

Resource Persons:       Mr. Jorge E. Dioneda, CPA
Chief Risk & Financial Tech Officer, Bank Consultant
in Credit and Risk Analysis
and Certified FINTECH professional

Venue: Sugarland Hotel
“Quedan Room”
Araneta St. Bacolod City 6100

Schedule:       April 20 & 21, 2018  (Friday and Saturday)  Duration:   Two (2)
Days 8:00AM – 5PM

Seminar Methodologies:  Lecture, Discussions and Cases

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

Course Objectives:

a.      Understand Risk Management discipline, its history and specific
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 event.
d.      Learn the recent significant key BSP regulations and how they are
applied in rural banking.
e.      Comprehend personal risk appetite and capacity.

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 Mitigation
–       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.      Analysis: Case Analysis and video presentation

Registration Fee:       Six Thousand Pesos (P6,000.00) per participant. The fee
includes  Snacks and Lunch for two days, training materials and handouts.

Payment:        A 50% non-refundable down payment is required on or before
Friday, April 13, 2018.
Deposit to –    Agnes L. Montelibano or Thelma M. Chiu
Bank of the Philippine Islands (BPI) – Sagay Branch
Sagay City, Negros Occidental
SA # 9299-0178-74

Please scan deposit slip and email to rbbacolod@rbap.org or fax to (034)
433-2704

Deadline for    Nomination Forms, duly endorsed by the Bank President or
Submission:     Authorized Signatory, should be submitted to the Rural Bank of
Bacolod City, Inc. (RBBCI) office, or faxed to (034) 433-2704, or emailed
to rbbacolod@rbap.org, on or before Friday, April 13, 2018
.

We look forward to your Bank’s participation in this very important
seminar/training.

Thank you,

Agnes L. Montelibano
NOFRB President

 

Download Circular

Internal Credit Risk Rating System Workshop – May 11-12, 2018 – Bayanihan Hall

INTERNAL CREDIT RISK RATING SYSTEM WORKSHOP

Date: May 11-12, 2018 (Fri-Sat)
Venue: Bayanihan Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
MA. CRISTINA M. FAROL
Chief Risk Officer, Credit & Trust Officer, Bank Consultant 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: May 04, 2018.

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
. 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
b. SME Loans

Download Circular

Download Confirmation Sheet

Sound Credit Functional Framework Training – May 09-10, 2018 – Bayanihan Hall

SOUND CREDIT FUNCTIONAL FRAMEWORK TRAINING

Date: May.09-10, 2018 (Wed-Thu)
Venue: Bayanihan Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON

MR. TITO TIRONES
– Bank & SME  Consultant/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:  May 04, 2018.

Course Objectives

1)      To define and elaborate on each step within the credit process
including the persons involved in the process, as well as the duties and
responsibilities of each.
2)       To provide guidelines in the effective management of each credit
process; mindful of the risk Involved in order to provide mitigants and
controls.
3)      To identify the strengths and weaknesses of the credit approval and
monitoring process

Seminar Methodologies
Lecture, Discussions, and Workshop

Expected Participants
President, BODirector, Branch Managers, Loan Officers, Account Officers,
Appraisers, Sales Officers, ROPA Managers

Day 1

I.Credit Policy Principles
II.Credit Principles
III.General Lending Guidelines
IV.Credit Initiation
•       Target Market Definition
•       Solicitations
•       Roles and responsibilities of the Account/Lending Officer
•       Guiding Principles
V. Credit (pre-approval) evaluation
* Stages
*Roles and responsibilities
– Account/Lending Officer
-Credit Evaluation Officer
-Credit Investigator
-Credit Appraiser
*Guiding Principles
-KYC
-Financial Statement Analysis
-ICRRS
-Acceptable Collateral
-Documentary Requirements
-Credit Investigation
-Collateral

Day 2

1. Loan Packaging
*Stages
*Roles and Responsibilities of the Account Officer
*General Types of Loans
*Important Elements in the Credit Proposal
*Loan Valuation
*Pricing the Credit
*Guiding Principles
*Contents of a Credit Proposal

II. Documentation
III. Credit Approval
IV. Loan Disbursement
V. Credit Administration and Monitoring
V. Interactive Workshop – Applying Controls in Each Credit Phase

Download Circular

Download Confirmation Sheet

BSP Cir 941 & 963 Briefing – Apr 26-27, 2018 – Ritz Hotel in Davao

Briefing on BSP Circulars
No. 941 (Amendments to the Regulations on Past Due and Non-Performing Loans)
and No. 963 (Bank Responsibility for the Generation and Timely Submission
of Required Reports to the BSP)

Date:  April 26-27, 2018  (Thu-Friday)
Venue:  Ritz Hotel, at Garden Oases,
Porras St., Bo. Obrero, Davao City
,
Time: 8:30am to 5:00pm

Resource Persons:
Myra F. Flores-Dagdagan,Manager, Examination Dept. III
and
Marilou Fabiana, Acting Manager , SDC
of  the Bangko Sentral ng Pilipinas

Seminar Fee:
1. Regular Rate – P3,300.00
2. Non-Member/Delinquent – P3,900

Mode of Payment
•       A Non-Refundable commitment fee of P1,800.00 per participant.
•       Bank account (LBP – Intramuros Branch Savings Account Number 0012-1046-26).
•       Proof of payment fax to (02) 527-2980.
•       Check payments, should be payable to (RBRDFI).

Seminar Methodologies
Lecture and Discussions

Expected Participants
President, Director, Credit Risk Officer Compliance Officer, Loan Officer,
and Branch Manager

Topics/Coverage:

DAY 1

I.    Rationale for the Issuance of Circular Nos. 855 and 941
II.   Key Changes
III.  Overview of Sound Credit Risk
Management Practices, with specific focus on:
a)   Credit Granting Process (Credit Grading/Scoring System)
b)   Loan Loss Methodology for Retail/Homogenous Loans

IV.  Redefinition of Past Due and Non-Performing Loans (Credit Workout)

DAY 2

I.      Rationale for the Issuance of Circular No. (963)
II.     Context Setting – use of information received by the BSP through
prescribed reports.
III.    Overall Framework of Operational Risk Management under Circular 900
IV.     Current Issues and Challenges
V.      Circular 963 Proper
VI.     Open Forum

Download Circular

Compliance and Strategic Inputs: BSP Cir. 855, 941 IFRS 9, and Risk-Based Capital Planning – May 04-05, 2018 – Cebu City

Compliance and Strategic Inputs:  BSP Cir. 855, 941, IFRS 9 and Risk
–Based Capital Planning
May 04 – 05, 2018, Cebu Grand Hotel, Cebu
City

Dear Fellow Rural Bankers:

The Rural Bankers Research & Development Foundation, Inc., a lead provider
of capacity building for the RBAP members, in partnership with the SGV &
Co., the country’s leading professional services, developed a 2-day
training program that introduces the basic principles and tools underlying
with regulations, especially in the area of credit risk.

Set to promote best practices and strategies, it will cover critical
aspect of the regulatory issuances. Also, to provide technical competence
in terms of insights and theories of sound credit risk management, and
offer solution for its ongoing concerns.

EXPECTED PARTICIPANTS  – President/Directors, Credit and Risk Management
Officers, Loan and Remedial Management Officers, Compliance Management and
Internal Auditors

CONTINUING EDUCATION CREDIT
CPA attendees of this training-course are eligible for Continuing
Professional Education (CPE) credits.

Compliance and Strategic Inputs: BSP Cir. 855, 941, IFRS 9 and Risk –Based
Capital Planning

Schedule     : May 04 – 05, 2018 (Friday – Saturday)
Venue          : Cebu Grand Hotel – Vibo Place, N. Escario St., Cebu City
Registration Fee:
Member  –  P12,000.00 / pax
Non-Member/Delinquent – P13,200.00 /pax
LBP Savings Account :  0012-1046-26
Account Name:  Rural Bankers Research and Development Foundation, Inc

LEARNING OBJECTIVES
>       Have a grasp of the details of the BSP Cir. 855, 941  and IFRS 9
and its implications on operations and strategic directions;
>       Identify areas of improvement for their respective banks as far
as compliance to the regulatory issuances are concerned; and
>        Have an appreciation on the Risk-Based Capital Planning and its
appropriate opportunistic outlook on strategy and business plans of their
respective banks.

RESOURCE PERSONS

* CHRISTIAN G. LAURON, CPA, MFinance & MBA
Partner, Financial Services Office (FSO), Head of Financial Services
Risk Management group,
which focuses on risk modeling, data analytics, stress testing, Basel
II and III, IFRS and
among others

*MARY CATHERINE M. BILIRAN, CPA, MBA
Senior Manager, Assurance
Extensive experience in audit reviews of publicly listed commercial
banks, thrift banks, rural
banks and investment houses

*Russel Aaron Ailes, CPA
Senior Associate, Financial Services Risk Management
Comprehensive experience in providing consulting services involving
risk-finance management,
performance measurement, regulatory compliance and business process and
control reviews.

*RUBEN D. SIMON
Associate Director, Financial Services Risk Management
FSO-Advisory manager specializing on microfinance, agribusiness and
rural developments

To register, kindly fill-out the attached Confirmation Form and send to
jescepeda.rbap@gmail.comtraining@rbap.org  or via fax at (02) 5272980.
Payment must be deposited through RBRDFI Land Bank of the Philippines
(Intramuros Branch) Savings Account Number 0012-1046-26 on or before April
27, 2018.
We are looking forward to your active participation. Thank you.

Sincerely,

Antonio O. Pasia
Chairman

 

Download Circular

Download Confirmation Sheet

Bank Security & Protection – April 18-19, 2018 – Licaros Hall Intramuros

BANK SECURITY & PROTECTION

Date: April 18-19, 2018 (Wed-Thu.)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Mr. Jason A. Domingo Intelligence Officer –II of NBI, Trainer and
Consultant for Banks Safety & Security Program

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: April 06, 2018.

I.         Objectives
For the participants to learn the Common Security Service Provision as
provided in the Manual of Bank Regulations (MORB) as amended in BSP
Circular No. 823, series of 2014. 


1.      Overview of the varied security concepts.
2.      Provide participants a rounded picture of the
risk and entity or corporation such as bank faces and how to properly
conduct risk assessment and analysis through the physical examination of a
facility and its operation.
3.      Explain the minimum qualifications for a Bank  Security Officer and
a security consultant relative to the implementation of a comprehensive
Bank Security Program.
4.      Learn a comprehensive Security Assessment
Plan as a basis for the Chief Security Officer in the discharge of his
duties and responsibilities.

EXPECTED PARTICIPANTS
President, Director, Compliance Officer, Risk Management Manager, Chief
Security Officer, HR Manager, Branch Manager

Course Outline

Part I. Introduction
a. Aspect of Security
1.Assurance
2. Countermeasures
a. Security Survey & Risk Assessment and Analysis
b. Minimum Security Matters
3. Defense in –depth
4. Exploit]

Part II. Bank Security Program
Guard System
Security Devices
Security Planning Consideration
Cash Transport
Cash Transport
> Bank Robbery Scenarios
> Basic Qualifications of a Bank Security Officer and Security Consultant
> Workshop on preparation for the Bank Security Program

Download Circular

Download Confirmation Sheet

Financial Statement Analysis – A Tool in Credit Decision Making – Apr 05-06, 2018 – Bayanihan Hall

FINANCIAL STATEMENT ANALYSIS – A TOOL IN CREDIT DECISION MAKING

Date:
Apr. 05-06, 2018 (Thu.- Fri.)
Venue:
Bayanihan 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  – P4,400 /person
2. Non-Member/Delinquent –  P5,200/person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P2,200.00 /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: March 23, 2018.

This course will provide concepts, tools and techniques in analyzing
financial statement. The goal is to assist credit or investment decision
makers on their credit evaluation analysis.

Course Objectives
•       General concepts on tools and techniques in financial report analysis
and their application to specific cases
•       Recognize the interrelationships among the relationships among the
numbers in the financial statements using spreadsheet template
•       Draw intelligent conclusions on the results of financial performance.

Methodologies
The course will use combination of lecture, hands on spreadsheet tutorial,
financial statement preparation and analysis from various sample business
cases

Expected Participants
Marketing & Business Dev. Officer, Loan Officers, Account Officers,
Remedial & Credit Officers, Branch Managers

Course Outline

DAY 1

* General Accounting concepts and principles relevant to financial
analysis.
* Critical areas in evaluating financial statements.
* Understanding financial statements.
* Red flags/Danger signs and how to recognize them.
* Sample FS discussion.
*  Techniques used in analyzing financial statements
*  General Framework and limitations in analysis
*  Financial ratios and their relevance
*  Horizontal and vertical analysis

DAY 2
* Financial Statements and their relationships through spreadsheet
exercises.
* Financial Analysis exercises.
* Business Case and Application of Financial Statement Review and analysis
*  To gain a solid understanding of financial statements

Download Circular

Download Confirmation Sheet

 

Cash Flow Statement – Understanding & Analyzing – April 07, 2018 – Bayanihan Hall

CASH FLOW STATEMENT – UNDERSTANDING, INTERPRETING AND ANALYZING

Date: Apr. 07, 2018 (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 –  P3,000 /person
2. Non-Member/Delinquent –P3,700 /person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

Non-Refundable commitment fee of P1,500.00 per participant.

Bank:  LBP – Intramuros, Branch
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:  Mar 23, 2018.

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

Download Circular

Download Confirmation Sheet

Remedial Management Seminar – Mar 15-16, 2018 – Licaros Hall, Intramuros Manila

REMEDIAL MANAGEMENT SEMINAR

Date: Mar. 15-16, 2018 (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:March 09, 2018.

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

Credit & Collection Management – Mar 14, 2018- Licaros Hall, Intramuros Manila

CREDIT & COLLECTION SEMINAR

Date: Mar. 14, 2018 (Wednesday)
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:  March 09, 2018.

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

Compliance Management System Assessment – Mar 01-02, 2018 -Bayanihan Hall Intramuros

COMPLIANCE MANAGEMENT SYSTEM ASSESSMENT

Date: Mar. 01-02, 2018 (Thu-Fri)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Mr. Diego B. Ledda, Jr.
Trainer/Consultant -Management
& Financial Consultancy Services

SEMINAR FEE

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

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P2,200.00 /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:  February 23, 2018.

Course Objectives
1. To identify, prioritize, and assign accountability for managing
existing or potential threats related to legal or policy noncompliance—or
ethical misconduct—that could lead to fines or penalties, reputational
damage, or the inability to operate in key markets.
2.To understand the laws and regulations with which the Bank is required
to comply in all risk areas where it conducts business, as well as
critical organizational policies—whether or not those policies are based
on legal requirements.
3.To learn the roles and responsibilities of Chief Compliance Officer in
the organization.
4.To learns how to prepare annual compliance program, assessment and reports

Day 1

1.The Compliance Risk Management
*Define Compliance risk and Compliance Risk Management
*  Status of Compliance Functions
* Regulations Governing Compliance Functions
* Requirements of successful Compliance Risk Management

2.Board and Senior Management Oversight
* Roles and Responsibilities of the Board of Directors
*Roles and Responsibilities of Senior Management
*Roles and Responsibilities of Employees

3.The Compliance Office and Compliance Officer

4.The Compliance Program
5. Reports , Reporting  Frequencies

*Types of Reports  Being Prepared by the Compliance Officer
*Frequency and Manner of Reporting
*Actions Needed in Compliance Reports

6.Improving Compliance Risk Management
*Identifying Inherent problems for Effective Compliance
7. Outsourcing of Compliance Assessment and Testing
8. Common Problems and BSP audit Findings in Compliance System and How to
Avoid them

Day 2

1.Hands-On Preparation
*Annual Compliance Program
*Assessment of Risk Areas
*Reports
Required on Day 2:  Laptop Computer, USB Compliance Manual

Download Circular

Download Confirmation Sheet

Signature Verification Bank Fraud & Forgery Detection -Mar 08 Licaros Hall Intramuros

SIGNATURE VERIFICATION, BANK FRAUD AND FORGERY DETECTION SEMINAR


Date: Mar. 08, 2018 (Thu)
Venue: RBAP, Intramuros, Manila
Time: 8:30am to 5:00pm

Resource Person:
Ms. Jennifer Dominguez
  Question Document Examiners, NBI

SEMINAR FEE
1. For Member  - P2,400
2. Non-Member/Delinquent –   P2,700


MODE OF PAYMENT
Check payable to:

      Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P1,200.00 /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: March 02, 2018.


Objective

For the participants to be aware of the significance of handwriting
identification and other aspects of questioned documents examination to
related areas in their chosen field;

Seminar Methodologies
Lecture, Discussions and Workshops

Expected Participants
Bank Teller, Cashier, Account Officers, Loan Officers

Course Outline

Module 1: Signature Verification and Forgery Detection
a.	Handwriting Impressions

             i) Manual operation of the hand and the brain
      b. Typewriting and Printing Impressions

            ii) Machine produced impressions
            iii) Miscellaneous Aspects
            iv) Alterations
            v) Sequence of strokes, etc

  Module 2: Fraud Detection and Prevention
           a.    Elements of Fraud
b.	Prevention Techniques
c.	Internal Control System

Download CIR Sigver

Download CS Sigver

Basic Course on Tellering – March 02, 2018 – Licaros Hall Intramuros

BASIC COURSE ON TELLERING

Date: March 02, 2018 (Fri)
Venue: Licaros Hall, Intramuros, Manila
Time: 8:30am to 5:00pm

Resource Person:
Ms. Victoria Palanca
Branch Bank Head, Trainer & Consultant

SEMINAR FEE
1. For Member  – P2,600 /pax
2. Non-Member/Delinquent –   P2,800 /pax

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P1,300.00 /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:February 23, 2018.

At the end of the one-day session, participants should be able to:
I.      Classify his/her role and identify the main job of his/her position in
conformity with bank rules and regulation.
II.     Process transactions proficiently according to par policies and
procedures.
III.    Adhere to established internal control measures in accepting,
sorting, and handling checks and cash

Seminar Methodologies
Lecture, Discussions and Workshops

Expected Participants
Bank Teller, Cashier, Account Officers, Loan Officers

Course Outline

I.      The Teller
II.     General Operations of Tellering
III.    Documents on new accounts
IV.     Tellers’ receiving functions
V.      Negotiable Instruments Law
VI.     Tellers’ paying functions
VII.    Customer satisfaction
VIII.       Curtailing frauds and mistakes

Download Circular

Download Confirmation Sheet

Championing The Bank Clients’ Needs. A Customer Service Training -Feb 26-27 -Licaros Hall Intramuros

Championing The Bank Clients’ Needs. A Customer Service Training

Date: Feb 26-27, 2018 (Mon-Tue)
Venue: Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Geraldine Andrews –Casus
Bank Trainer –Consultant –Facilitator for Image Management & Customer Service

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

EXPECTED PARTICIPANTS
President, Branch Manager, Front Officer, Tellers, Loan Officers, and
Marketing Officers /Staff.

DEADLINE TO SUBMIT REGISTRATION: February 21, 2018.

Course Overview

Excellent Customer Service is not an optional, but a must. Neither is it
one-time nor occasional, it should consistently delivered by all in the
organization (Bank).   It is a sure way to identify potential cross-sales
and it identifies potential causes of costly problems.

At the end of the seminar –workshop, it is expected that the participants:

  * Revisit their role/s in the bank and why this is important in the
overall vision and mission of the bank.
•	Define Customer Service and Excellence and how they impact the
organization and their customers.
•	Identify their customers whether internal or external.
•	Discuss the profile of their customers at their bank (traits, needs and
basic expectations)
•	Verbalize why Customer is the King and King of the bank.
o	Customer is the lifeblood of the organization
o	Customer satisfaction spells business success
Outline
➢	Introduction : Vision and Mission of the Bank
*Revisit the very reason why the Bank exists and re-instill awareness  of
why their positions exist.
*Show the connection and application of the Mission and Vision into their
daily lives in the bank.
➢	Customer Service
*The 5 facts about customer
*Who are your customers?
*Why do customer quit?
➢	Attitude
*10-item Customer Service Attitude Survey
*What is Attitude?
*What is Paradigm?
➢	Listening
*Listening, a Customer Service Skill
*Listening Activity Through Emphatic Listening Exercise Triads : speaker,
listener (feeling) listening (content)
➢	Excellent Customer Service
*How does it apply to each one of us?
*Four steps to Customer Service Excellence, a STAIRWAY to heaven.
*Going up the stairway.
*Reasons why customers complain and what they do.
*Facts about necessary in handling compaints.
*Facts about angry /complaining customers.
*Taking the HEAT.
➢	Wrap Up.
*Summary of the program
*Action Plan

Download CIR Customer

Download Confirmation Sheet

Strengthening Internal Control System – Feb 14 -15, 2018 – Bayanihan Hall Intramuros Manila

STRENGTHENING INTERNAL CONTROL SYSTEM IN RURAL BANKS

Date: Feb 14-15, 2018 (Wed-Thu)
Venue: Bayanihan Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
DR. RUFO MENDOZA, CPA External Auditor –Accredited,
Bank Consultant and Professor

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

Expected Participants
President, Internal Auditor and External Auditors, Branch Managers,
Compliance Officer

DEADLINE TO SUBMIT REGISTRATION:  February 09, 2018.

Course Objectives

An effective internal control system helps a bank promote orderly,
economical, efficient, and effective operations. It seeks to safeguard the
bank resources and maintain reliable financial and management data.

1. Explain the nature of internal control and its relationship with risk
and audit and how they drive value for an organization;
2. Discuss the regulatory requirements for internal control system in a
rural bank, including the framework, components, and measures and how they
can be implemented in real banking operations;
3. Illustrate the functions, processes, and procedures in the internal
audit services in a rural bank;
4. Describe the nature of fraud and identify applicable measures to
prevent and detect fraudulent activities; and
5. Assess internal control practices and devise workable solutions for
identified internal control weaknesses

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

Course Outline

• Understanding the Trilogy of Risk, Control and Audit
• Mapping Internal Controls in the International Landscape
• Five Components of Internal Control System
• Significant Provision of BSP Cir. 871, – Internal Control Framework
for Banks in the Phils.
• Minimum Internal Control Measures for Deposit Taking
• Minimum Internal Control Measures for Lending Operations
• Minimum Internal Control Measures for Fiancial Reporting
• Minimum Internal Control Measures for Asset Management
• Internal Audit as a Component of Internal Control System
•Fraud Prevention and Detection
• Evaluating Internal Control System in a Bank

Download Circular

Download Confirmation Sheet