Loan Packaging and Approval

Short-term Facilities

Facilities proposed for immediate credit needs.

Term Facilities

Facilities designed for medium or long-term credit requirements.

Flexibility in Terms

Terms and conditions should adapt to client situations, industry changes, economic shifts, and market trends.

Common Sense in Credit

Importance of using good judgment in structuring credit packages.

Proactive Stance

Being proactive in credit decisions.

Credit Proposal Executive Summary (CPES)

Summary of key details in a credit proposal.

Credit Proposal (CP)

Detailed information on the applicant, project, financials, and investigation results.

Basic Business Information (BBI)

Background details on the applicant, project, products, market, and affiliates.

Credit Investigation Report (CIR)

Report on the findings of the credit investigation.

Appraisal Report (AR)

Report on the appraisal of collaterals offered.

Loan Agreement (LA)

Contract between lender and client detailing loan terms.

Discounting Agreement (DA)

Core document for financing receivables.

Restructuring Agreement (RA)

Document for new terms in loan transactions.

Promissory Notes (PN)

Written promise to pay a sum of money.

Disclosure Statement (DS)

Document disclosing loan details to the client.

Real Estate Mortgage (REM)

Contract securing immovable properties.

Mortgage Trust Indenture (MTI)

Mortgage for securing multiple creditors.

Chattel Mortgage (CM)

Mortgage for personal property.

Assignment of Receivables (AOR)

Contract transferring rights against a third party.

Joint and Several Signatures (JSS)

Binding key officers with the borrower in case of default.

Account Monitoring

Process of managing outstanding risk assets and ensuring timely repayments.

Compliance to Terms and Conditions

Ensuring availments align with approved credit proposal terms.

Collection of Loan Amortization

Monitoring prompt payment of loan obligations.

Credit File Maintenance

Organizing and maintaining documents related to the credit account.