Date: Feb. 04-05, 2016 (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
a. Early bird – P4,500 (on or before Jan. 15)
b. Regular Rate – P4,800 (After Jan.15,2016)
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
President, Director, Loan Officers, Remedial & Credit Officers, Branch Managers
DEADLINE TO SUBMIT REGISTRATION: February 01, 2016.
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
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
Download the Confirmation Sheet in PDF