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Credit Analysis & Loan Packaging Seminar – Dec 08-09

CREDIT ANALYSIS & LOAN PACKAGING SEMINAR

Date: Dec 08-09, 2016 (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 only
    a. Early bird – P4,500 (on or before Nov 18)
    b. Regular Rate – P4,800 (After Nov 18. 30)
  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
Marketing & Business Dev. Officer, Loan Officers, Account Officers,
Remedial & Credit Officers, Branch Managers

DEADLINE TO SUBMIT REGISTRATION: Dec 02, 2016.

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

Download Files: Credit Analysis & Loan Packaging Seminar Circular and Confirmation Sheet