NAME OF ADVISOR:

TOPICS IF FILES ARE AVAILABLE, PLEASE STATE N

Credit Management Organizational Structure
Roles and Responsibilities Refer to TOR for SACDECO or the pre-made JDs
Department and Units None, we must narrate the what is loans generation
Loan Program
Credit Strategy
Loan Portfolio Planning No Policy and Procedure as of the moment. Howeve
Loan Limits and Credit Concentration
Single Borrowers' Limit refer to IRR or MORR
Large Exposures Whats with this?
DOSRI refer to MORR re loans to DOSRI
Portfolio Mix Somehow strategic but we can embed this. Refer to
Loan Product
Product Manuals Refer to BUGEMCO files
Classification / Type of Loans Providential, Productive, Microfinance, Mortgage, A
Lending Guidelines
Credit Risk Management We can refer how BSP discuss this or we can refer to
General Loan Principles (Capacity Based Lending) Refer to Credit Analysis Module
Borrowers' Classification Still at the stage of development. No previous docum
Credit Inititaion
Loan Application refer to loan application module for its phases.
Pre-Assessment Policy refer to Panabo MPC's Loan Application Guidelines
Loan Eligibility Criteria Should be included in the Product Manual because
Acceptable Businesses *Same idea of the above
Loan Counselling refer to Panabo MPC's Loan Application Guidelines
Requirements and their Acceptability *Same idea
Loan Application Process Flow refer to Panabo MPC's Loan Application Guidelines
CI-BI
Policy and Procedures on Investigation Refer to Panabo, Handbook
Five C's of Credit I think this should serve as a primer for credit initiati
Pointers in Handling Credit Investigation I think this should be included in the policy
Bank and Finacial Institutions Checking Procedure refer to handbook
Credit Bureau Checking Procedure refer to handbook
Asset Checking Procedure refer to handbook
Business/Trade Checking Procedure refer to handbook
Personal Background Checking Procedure refer to handbook
Residence Checking Procedure refer to handbook
Appraisal
Collateral Acceptability refer to Panabo File, PPT on collateral appraisal
Policy on Property Insurance Requirements refer to Panabo File, PPT on collateral appraisal
Collateral Appraisal and Valuation refer to Panabo File, PPT on collateral appraisal
Collateral Appraisal Procedures refer to Panabo File, PPT on collateral appraisal
Guidelines for Appraiser's Conduct of Appraisal I cant understand this. Is this procedure?or is it som
Credit Analysis
 Cashflow Analysis refer to panabo mpc and ppt presentation
Credit Analysis for Businesses (Assets: 500k and above) we may also discuss here non financial matters, we
BRR and FRR refer to ppt presentation
Financial Analysis refer to ppt presentation
Loan Packaging
Loan Product Proposal see loan packaging guidelines PMPC
Loan Recommendation Guidelines see loan packaging guidelines PMPC
Loan Pricing Strategies / Term of Loan / Modes of Payment within the range of product manual terms and cond
Loan Approval
Approving Authorities add mechanics on deliberation and approval
Loan Documentation Pre-Release Loan Documentation, If we say loan do
Guidelines on Loan Documentation
Enforceability of Contracts I think this is a part of type of contract explanation.
Types of Contracts
Policy on Mortgage of Collateral Loan Document Registrations (this will also include
Loan Disbursement
Loan Script loan script is the form used for loan reorientation/d
Loan Release Procedure ok
Proper Recording of Loan Releases ok
Account Maintenance we have not included here renewals and (pre) term
Document Safekeeping
Joint Custody joint and dual custody are part of the discussion on
Dual Control
Collection
Billing and Loan Repayment I think the more appropriate title would be preparin
Types of Collection
Over-the Counter
Field Collection
Post-dated Checks
Bank Deposit
Auto-debit
Institutional Remittance
Loan Payment Policy Policy on Collection Report
Collection Efficiency part of the collection report as measurement to be
Account Monitoring
Post-validation of Loan Purpose
PAR Management delete.part of DM discussion
Early Signs of Delinquency
Demand Letters part of remedial as this initially cures of repayment
Credit Classification and Provisioning
Delinquency Management PAR 30 and beyond DQ Management
Delinquency Account Classification
Delinquency Calendar
Delinquency Portfolio Profiling Delinquent Accounts Profiling
Tele-collection tele-collection for non-dq accounts is part of prepar
Remedial Management
Remedial Management Policy
 Collectability of Remedial Accounts part of delinquent accounts profiling
Non-Adversarial Remedies
Restructuring see policy of BDC (latest)
Renegotiation and Workout Agreements Restructuring is a part of workout agreements.restr
Off-setting of Deposit / Capital Offseting to savings would be more appropriate for
Asset Recovery we can include here storage, maintennance, repairs
Dacion en Pago see policy of RB, tool of sacdeco in asset recovery
Foreclosure We mean here the EXTRA one, see tool of sacdeco
Small Claims we can refer to IRR on SCC
BP 22 We can add SOM, SOM with Replevin. We can refer
Write-off ok
Write-off Policy
Post-write off Collection
Risk Management
Loan Portfolio Reporting Ok, this is Portfolio Risk
Portfolio Performance Monitoring
Targets vs. Actual
Loans Limit Concentration Monitoring
DOSRI Exposures
Processed Accounts and Concerns
Early Delinquent Accounts
Remedial Account Status Reporting
Credit Process Review Ok this is Transaction Risk
Glossary
Annexes (Please list all available below.) Refer to Tracking sheet under loan application form
LABLE, PLEASE STATE NAME OF COOP.

CO or the pre-made JDs

the what is loans generation and credit control (emphasis on check & balance and profitability)

e as of the moment. However, the template to create one is provided - refer to BDC loan portfolio planning template.

we can embed this. Refer to BSP circular re on residential loans

e, Microfinance, Mortgage, Agricultural - these are the categories made for Cooperatives.I just don’t know what documentation it came fro

discuss this or we can refer to the green book for rural banks

elopment. No previous documentations created for this.

n module for its phases.

Loan Application Guidelines
he Product Manual because each loan product has its own criteria, however, the "general" criteria can be elaborated .

Loan Application Guidelines

Loan Application Guidelines

e as a primer for credit initiation as this cover the whole process

ncluded in the policy

for procedure, the ppt presentation has elaborated the skeletal framework. We may refer to it

T on collateral appraisal
T on collateral appraisal
T on collateral appraisal
T on collateral appraisal
Is this procedure?or is it something connected to ethics?
nd ppt presentation
re non financial matters, we may look at the credit rating cmponents as subject for analysis that can be include in the policy

delines PMPC
delines PMPC
duct manual terms and condition, what should be done for extra ordinary case?

beration and approval

mentation, If we say loan documentation it will encompass all the forms used in all the process. Loan documentation occurs to every stage

ype of contract explanation.

ations (this will also include notarials)

used for loan reorientation/debriefing before loan release, I think the red fonts is the more appropriate title of the policy

ere renewals and (pre) terminations

are part of the discussion on security and working files, the more appropriate title I gues is proper storage and maintenance of security file

priate title would be preparing collection

eport as measurement to be reported

initially cures of repayment

Management

dq accounts is part of preparing collections. Thus the tile here would be tele-collection for DQ accounts
ounts profiling

of workout agreements.restructuring conditions may either be repayment moratorium, extension of term, specifed repayment etc.
uld be more appropriate for this phase.However, in the pre-write-off activity (under writing off policy) we can mention it as part of dismem
orage, maintennance, repairs of foreclosed items. We can mention disposal but we should only mention the part the the credit people, for
f sacdeco in asset recovery
RA one, see tool of sacdeco

with Replevin. We can refer to dolfs' file for BP 22

under loan application forms for credit initiation

what documentation it came from.

elaborated .

k. We may refer to it
lude in the policy

mentation occurs to every stage, we'll just explain those as part of the provisions

e of the policy

and maintenance of security files. Same should be applied to working files

specifed repayment etc.
can mention it as part of dismemberment
e part the the credit people, for other items not under credit activity we can mention refer to… the accounting policy on ROPA.
ting policy on ROPA.
NAME OF ADVISOR:

TOPICS IF FILES ARE AVAILABLE, PL

Credit Management Organizational Structure
Roles and Responsibilities
Department and Units
Loan Program
Policy on…. Credit Strategy please let me know the basic form
Policy on…. Loan Portfolio Planning
Policy on…. Loan Limits and Credit Concentration
Policy on…. Single Borrowers' Limit
Procedure on… Large Exposures
Procedure on… DOSRI
Procedure on… Portfolio Mix
Procedure on… Loan Product
Procedure on… Product Manuals
Classification / Type of Loans
Lending Guidelines
Credit Risk Management
General Loan Principles (Capacity Based Lending)
Borrowers' Classification
Credit Inititaion
Loan Application
Pre-Assessment Policy
Loan Eligibility Criteria
Acceptable Businesses
Loan Counselling
Requirements and their Acceptability
Loan Application Process Flow
CI-BI
Policy and Procedures on Investigation
Five C's of Credit
Pointers in Handling Credit Investigation
Bank and Finacial Institutions Checking Procedure
Credit Bureau Checking Procedure
Asset Checking Procedure
Business/Trade Checking Procedure
Personal Background Checking Procedure
Residence Checking Procedure
Appraisal
Collateral Acceptability
Policy on Property Insurance Requirements
Collateral Appraisal and Valuation
Collateral Appraisal Procedures
Guidelines for Appraiser's Conduct of Appraisal
Credit Analysis
 Cashflow Analysis
Credit Analysis for Businesses (Assets: 500k and above)
BRR and FRR
Financial Analysis
Loan Packaging
Loan Product Proposal
Loan Recommendation Guidelines
Loan Pricing Strategies / Term of Loan / Modes of Payment
Loan Approval
Approving Authorities
Loan Documentation
Guidelines on Loan Documentation
Enforceability of Contracts
Types of Contracts
Policy on Mortgage of Collateral
Loan Disbursement
Loan Script
Loan Release Procedure
Proper Recording of Loan Releases
Account Maintenance
Document Safekeeping
Joint Custody
Dual Control
Collection
Billing and Loan Repayment
Types of Collection
Over-the Counter
Field Collection
Post-dated Checks
Bank Deposit
Auto-debit
Institutional Remittance
Loan Payment Policy
Collection Efficiency
Account Monitoring
Post-validation of Loan Purpose
PAR Management
Early Signs of Delinquency
Demand Letters
Credit Classification and Provisioning
Delinquency Management
Delinquency Account Classification
Delinquency Calendar
Delinquency Portfolio Profiling
Tele-collection
Remedial Management
Remedial Management Policy
 Collectability of Remedial Accounts
Non-Adversarial Remedies
Restructuring
Renegotiation and Workout Agreements
Off-setting of Deposit / Capital
Asset Recovery
Dacion en Pago
Foreclosure
Small Claims
BP 22
Write-off
Write-off Policy
Post-write off Collection
Risk Management
Loan Portfolio Reporting
Portfolio Performance Monitoring
Targets vs. Actual
Loans Limit Concentration Monitoring
DOSRI Exposures
Processed Accounts and Concerns
Early Delinquent Accounts
Remedial Account Status Reporting
Credit Process Review
Glossary
Annexes (Please list all available below.)
F FILES ARE AVAILABLE, PLEASE STATE NAME OF COOP.

ease let me know the basic form how the guideline on the policy shall be done. Whats its content.