Course Title: Sound Credit Functional Framework Training
Venue: Philtown Hotel, Cagayan de Oro City
Schedule: July 19-20, 2018 (Thursday–Friday)
Duration: 2 days (8:30AM-5:00PM)
Resource Person: MR. TITO TIRONES, Bank & SME Consultant/Trainer
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
COURSE OUTLINE:
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
I. 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
In this connection, we would like to enjoin rural banks to send their
President, BODirector, Branch Managers, Loan Officers, Account Officers,
Appraisers, Sales Officers, ROPA Managers to attend the seminar.
Registration fee per participant:
a) Five Thousand Pesos only (P5,000.00) on or before June 29, 2018 (Early
Bird Rate)
b) Five Thousand Five Hundred Pesos Only (P5,500.00) after June 29, 2018.
c) Registration will cover meals (2 snacks and lunch) per day
Expenses incurred to and from venue and accommodation should be borne by
the participants.
For your reservations, kindly submit to us the following not later than
July 13, 2018:
1. Registration form of the participant(s) duly endorsed by the bank’s
authority;
2. Payments can be remitted to the MOBCI-FRB c/o MINDANAO CONSOLIDATED
COOPERATIVE BANK bank account Land Bank of The Philippines (LBP) Savings
Account Number- 2412-0000-67. Proof of payment (i.e., deposit slip) should
be sent immediately to MOBCI-FRB via e-mail ([email protected]) for
verification. For check payments, check should be payable to
MOBCI-Federation of Rural Banks;
Only those rural banks that have complete requirements will be given
reservation. Please be advised that we will be accepting up to fifty (50)
participants only. We reserve the right to limit the number of
participants to a manageable level. Participants will be accepted on a
first-come-first-served basis.
For your reservation, please call: 0915-712-1915/ 088-856-1550 and look
for Ms. Jaelemmor Khriel Kimura, the MOBCI-FRB recording secretary.
Participants who have paid but fail to show up for the seminar will only
be entitled to a rebate of 50% of the total registration fee. This is a
live-out seminar.
Thank you very much!
Mr. Wilner A. Palacios
President, MOBCI-FRB
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