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

Bank Security & Protection – July 26-27

BANK SECURITY & PROTECTION

Date: Jul 26-27, 2017 (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. Member – P3,800/pax
2. Non-Member/Delinquent – P4,200/pax

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P1,400.00 /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: July 21, 2017.

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

CIR BNKSecurity-Jul17 Download file click here

CS-BNKSecurity-Jul17 Download file click here

Compliance Mgmnt System Assessment – July 12-13

COMPLIANCE MANAGEMENT SYSTEM ASSESSMENT

Date: July 12-13, 2017 (Wed-Thu)
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: July 07, 2017.

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

CIR COMS-July17 Download file click here

CS-COMS-July17 Download file click here

Basic Course on Tellering -June 30 2017

BASIC COURSE ON TELLERING

Date: Jun 30, 2017 (Fri)
Venue: RBAP, 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

2. Non-Member/Delinquent – P2,800

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: June 23, 2017.

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

CIR Tellering-Jun17 Downloads file click here

CS-Tellering-Jun17 Downloads file click here

Signature Verification Bank Fraud & Forgery Detection -Jun 29 2017

SIGNATURE VERIFICATION, BANK FRAUD AND FORGERY DETECTION SEMINAR

Date: Jun 29, 2017 (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: June 23, 2017.

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

CIR Sigver-Jun17 Download file click here

CS-Sigver-Jun17 Download file click here

Marketing Strategy of Bank Services – Jun. 21-22 2017

MARKETING STRATEGY OF BANK SERVICES

Date: June 21-22, 2017 (Wed.-Thurs.)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
MR. REMIGIO TITO TIRONES
Seasoned Bank Officer, Trainer Bank & SME Consultant

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

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: June 15, 2017.

Course Objectives

1. To establish the rationale, relevance and need of marketing bank
products and services.
2. To provide the participants with basic knowledge and skills on:
– marketing various bank products;
– structuring product offerings to clients;
– client/s identification and market segmentation;
– solicitation techniques; and
– winning and locking-in a client.

Course Outline

Day 1. Establishing the rationale on the need of Bank Marketing
a.m. Bank Marketing: Definition
Organizational Objectives vis-a-vis Marketing (and marketing
objectives)
Financial Services Peculiarities
The concept of Marketing Mix, defined
p.m. Essence of Marketing Strategy
The 4 P’s of Marketing
Relationship between 4 P’s and 4 C’s
Understanding Customer Needs vs. Bank’s Objectives
Market Mix of Services
Workshop…….

Day 2. Hands on Exercise on: Client Prospecting, Identification, Sourcing
and Accounts Marketing
a.m. Synchronizing target market with bank policies.
– Bank branding.
– Review of existing policies, present portfolio, market segment, etc.
– Review of Acceptable exposure risk.
– Review of existing bank products and services vs. perceived
market demands.
– Role of pro-active product development.
– Present organizational structure vs. desired set-up, budget,
income and performance.

Sourcing Potential Accounts.
a. Mining present database.
– analyze accounts portfolio linkages.
– focusing on desired grouping.
b. Referrals from existing clients.
c. Linkages with local industry associations.
p.m. Building up of Potential Clients
a. How and what to present identified accounts/clients
b. Techniques in Closing a deal
c. Locking-in a Loan account
d. Loan Account Documentation and Loan Credit Packaging

CIR Marketing-Jun17 Download file click here

CS-Marketing-Jun17 Download file click here

Delinquency and Fraud Management in Banks Training – June 15 -16

DELINQUENCY AND FRAUD MANAGEMENT IN BANKS TRAINING

Date: June 15-16, 2017 (Thu-Fri-)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Mr. Noel J. Panelo, CPA
Microfinance Specialist, Banker/Trainer –Account Management Consultant

SEMINAR FEE

1. For Member – P3,400
2. Non-Member/Delinquent – P3,600

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P1,500.00 /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: June 09, 2017.

Objectives

At the end of the training, the participants are expected to:
1. Understand the meaning of delinquency and how it negatively affects the
profitability of the bank
2. Analyze and manage loan portfolio
3. Learn how to prevent delinquency and remedy hardened accounts
4. Learn the different faces of fraud (internal and external).
5. Learn how to detect fraud early, then control and remedy the same
6. Learn the different internal controls that would help prevent
delinquency and fraud

DAY 1
I. Portfolio Analysis & Management
Process in managing portfolio
Sample portfolio report
Key financial ratios in measuring delinquency
Analyzing PAR by age
Sample calculation of loan loss provision
II. Root Causes of Delinquency
Various definitions of delinquency/past due
Common reasons and root causes of delinquency
Perceived uncontrollable events that may cause delinquency
Costs of delinquency (quantifiable and non-quantifiable)
III. Delinquency Prevention, Control and Remedial Management
Strategic courses of action in managing delinquency
Delinquency alarm signals at various levels
Stages of actions to be taken in controlling delinquency
Write-off
IV. Management of Hardened Accounts
Steps in enforcing legal action
Action on court-mandated agreement
V. Small Claims Court
How to pursue collection through small claims court

VI. Workshop/Case study involving delinquency

DAY 2
VII. Common Frauds in MFIs
Definition of fraud
Various instances when fraud can be committed
VIII. Early warning signals: Red flags/symptoms for fraud
Types of fraud
Early warning signs of fraud in organizations
IX. Handling Fraud – methods and systems in detecting fraud
Various ways to detect fraud
Responses to fraud
X. Management of Fraud – prevention and controls
Ways to prevent fraud
Various controls to lessen the occurrence of fraud
XI. Workshop/Case study involving fraud
XII. Other Delinquency & Fraud Concerns/Open Forum

Notes: Relevant BSP circulars

BSP Cir. 941 – BSP Cir. 782, 796, 841
BSP Cir. 817 – BSP Cir. 871 –
BSP Cir. 900 – BSP Cir. 855

CIR Del&Fraud-Jun17 Download file click here

CS-Del&Fraud-Jun17 Download file click here

Delinquency and Fraud Management in Banks Training – June 15 -16

DELINQUENCY AND FRAUD MANAGEMENT
IN BANKS TRAINING

Date: June 15-16, 2017 (Thu-Fri-)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Mr. Noel J. Panelo, CPA
Microfinance Specialist, Banker/Trainer –Account Management Consultant

SEMINAR FEE

1. For Member – P3,400
2. Non-Member/Delinquent – P3,600

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P1,500.00 /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: June 09, 2017.

Objectives

At the end of the training, the participants are expected to:
1. Understand the meaning of delinquency and how it negatively affects the
profitability of the bank
2. Analyze and manage loan portfolio
3. Learn how to prevent delinquency and remedy hardened accounts
4. Learn the different faces of fraud (internal and external).
5. Learn how to detect fraud early, then control and remedy the same
6. Learn the different internal controls that would help prevent
delinquency and fraud

DAY 1
I. Portfolio Analysis & Management
Process in managing portfolio
Sample portfolio report
Key financial ratios in measuring delinquency
Analyzing PAR by age
Sample calculation of loan loss provision
II. Root Causes of Delinquency
Various definitions of delinquency/past due
Common reasons and root causes of delinquency
Perceived uncontrollable events that may cause delinquency
Costs of delinquency (quantifiable and non-quantifiable)
III. Delinquency Prevention, Control and Remedial Management
Strategic courses of action in managing delinquency
Delinquency alarm signals at various levels
Stages of actions to be taken in controlling delinquency
Write-off
IV. Management of Hardened Accounts
Steps in enforcing legal action
Action on court-mandated agreement
V. Small Claims Court
How to pursue collection through small claims court

CIR Del&Fraud-Jun17 Download file click here

CS-Del&Fraud-Jun17 Download file click here

Comprehensive Property Appraisal Seminar -May 19-20

COMPREHENSIVE PROPERTY APPRAISAL SEMINAR

Date: May 19-20, 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. For Member – P3,800

2. Non-Member/Delinquent – P4,200

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: May 12, 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 Valuatio
• Other Methods of Valuation

CS-CAppraisal-May17 Download file click here

CS-OpRisk-Apr17 Download file click here

Credit Analysis & Loan Packaging Seminar – May 04-05

CREDIT ANALYSIS & LOAN PACKAGING SEMINAR

Date: May 04-05, 2017 (Thursday- Friday)
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

2. Non-Member/Delinquent – P4,200

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: April 28, 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-May17 Download file click here

CS-Credit&LoanPack-May17 Download file click here

Comprehensive Property Appraisal Seminar -May 19-20

COMPREHENSIVE PROPERTY APPRAISAL SEMINAR

Date: May 19-20, 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. For Member – P3,800

2. Non-Member/Delinquent –P4,200

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: May 12, 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-May17 Download file click here

CS-CAppraisal-May17 Download file click here