CLOSED — Seminar on Credit Risk Management Tools:BRR-FRR, 13-14 September 2012


Subject:Credit Risk Management Tools: BRR and FRRDear Fellow Rural Bankers:

As part of the Rural Bankers Association of the Philippines (RBAP) continuing strategy to strengthen the rural banking industry, the Rural Bankers’ Research and Development Foundation, Inc. (RBRDFI), and in joint partnership with SB Corporation, one the National Government largest provider of SME development financing and small credit delivery system, will be conducting two (2) days seminar on:

Course Title:       Credit Risk Management Tools

  1. A. Borrowers Risk Rating (BRR) / Facility Risk Rating (FRR) Scorecard
  2. B. Financial Statements: Analysis, Validation and Reconstruction

Speaker : Ms. Celenita V. Francisco

Banker / Bank Consultant / Trainor

Venue:                 RBAP Conference Room, RBAP Bldg., A. Soriano Ave., cor.

Arzobispo St., Intramuros, Manila

Schedule:            September 13 – 14, 2012 (Thursday-Friday), 8:30AM -5:00PM

Participants: Senior & Middle Level Loan Officers / Auditors / Credit and

Appraisal Officers, Credit Risk Officers

Participants from the trainings:  Credit Risk Management for Bank Directors and Senior Management or Strengthening Bank Credit Risk Management are encouraged to attend.

Course Objective:

To complete the credit risk management awareness and appreciation of rural bank owners, officers, and staff by their adoption of a risk-based lending technology and best banking practices in credit to address the increasing pressure to expand and diversify their loan portfolio and address fast changing banking regulations.

Course Content 

  1. I.    Regulatory Basis: BSP Circular 439
  2. II.    Refresher Course on Basic Financial Statements

(including ratio analysis)

  1. Foundational Requisites for Proper Use of the BRR System
  2. Validating, Analyzing and Recasting

Financial Statements (including

interview techniques)

  1. V.    CAMP Analysis/Borrower Risk Rating (BRR) System
Course Content 


  1. The Borrower Risk Rating

Scorecard: Risk Identification &

Mitigation and Credit Decision


  1. The Facility Risk Rating Scorecard


  1. Relationship between Borrower Risk Rating (BRR) and Facility Risk Rating (FRR)

Only one (1) participant per bank will be covered of reduce a registration fee, since these training courses are on a 50% – 50% cost sharing with the Small Business Corporation.

Acceptance of reservation is on first come, first-served basis; only forty (40) participants will be accommodated.


Registration Fees:

First Representative

a)     Two Thousand Two Hundred Fifty Pesos only (P2,250.00)

Succeeding representatives:

Four Thousand Five Hundred Pesos (P4,500.00)


b)    Five Thousand Four Hundred Pesos  (P5,400.00) for non-member rural banks.

c)     This is a live-out seminar. Seminar fee includes snacks, training kit and certificate of attendance.


For your reservations, kindly observe our training policies:

  1. Deadline for submission of registration is September 10, 2012.

a) confirmation sheet duly signed by the authorized representative.

  1. 2. A Non-Refundable commitment fee of P1,125.00 per participant. Payments can be remitted to the Rural Bankers Research and Development Foundation, Inc. bank account (Land Bank of the Philippines – Intramuros Branch Savings Account Number 0012-1046-26). Proof of payment (i.e., deposit slip) should be sent immediately for verification at (02) 527-2980. Check payments, should be payable to Rural Bankers Research and Development Foundation, Inc. (RBRDFI)

For those who would like to register, kindly download and fill-out the attachment attached below.

For your reservation, please coordinate to RBRDFI Training Officers

Mr. Ace M. Calang      /      Ms. Grace Dimapilis.       /      Ms. Jesica Cepeda

Contact details: (02) 527-2969, 527-2980; 09178374604; 09178374603;  09178374599


Thank you.

Attachment:  cir CRMtools