SOUND CREDIT FUNCTIONAL FRAMEWORK TRAINING
Date: August 30-31, 2018 (Thu-Fri)
Venue: Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm
RESOURCE PERSON
MR. TITO TIRONES
– Bank & SME 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 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 24, 2018.
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
Expected Participants
President, BOD Director, Branch Managers, Loan Officers, Account Officers,
Appraisers, Sales Officers, ROPA Managers
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
1. 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
Download Circular
Download Confirmation Sheet
