RISK-BASED LENDING FOR SME WORKSHOP
Date: Nov-09-10, 2018 (Fri-Sat)
Venue: Gov. Licaros 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 – P4,600/per person
2. Non-Member/Delinquent – P5,100 / per person
MODE OF PAYMENT
Check payable to:
Rural Bankers Research & Development Foundation Inc.
Non-Refundable commitment fee of P2,300.00 per participant.
Bank: LBP – Intramuros, Branch
Account Name: RBRDFI
SA No. 0012-1046-26.
Telefax (02) 527-2969 /527-2980
Expected Participants
Credit Risk and Loan Officers, Account and Relationship, Managers,
Appraisers, Sales Officers, ROPA Managers
DEADLINE TO SUBMIT REGISTRATION: October 26, 2018.
The seminar shall tackle as much as possible what are needed in risk-based
credit for SMEs. There will be sample exercise/s for better appreciation.
Extensiveness however, is bound by time constraints. In an actual
application however, analysis may be incomplete/non-conclusive depending
on the completeness and correctness of data gathered.
Course Objectives
1.Have a better understanding of the characteristics of SME clientele and
their funding needs.
2.Have knowledge on how to perform risk-based credit evaluation of SMEs
and manage their loan accounts appropriately.
Course Outline
Risk-Based Lending for SMEs Workshop
a. Definition per BSP Circular 625
b. Deeper Understanding of SMEs
c. Importance of SMEs
d. SME Needs vs Bank Requirements
e. Difficulties in SME Financing
Credit Initiation for SMEs
a. Defining the Target Market for SMEs
b. Choosing the Appropriate Client Base
SME Risk-Based Credit Evaluation
a. Objectives
b. Coverage
c. Nature of Evaluation
d. Approaches to Evaluation
e. Credit Investigation
f. Things to do in Evaluation
g. Credit Investigation
h. Common Deficiencies in FS
i. Cash Cycle
Approval Process
a. Recommended Principles
b. Common Reasons for Loan
Disbursement
a. Compliance to Doc Requirements
b. Releasing Credit Administration
a. Close Monitoring of SME Borrowers
b. Client Call Reporting Risk-Based Lending for MSME
Objectives of the Session
Important Credit Principles to Remember
Problem Recognition
a. Detection of Early Warning Signals
b. Common Cause of Business Failures
Legal Forms of Business Organizations
Types of Business Organizations
Interactive Session 1 – Risk Based Credit Evaluation of SMEs and Detecting
Red Flags
Interactive Session 2 – Financial Analysis of SMEs (sample spreadsheets)