CALM course goes to Calapan

Johnson M. Melo, vice-president and chief operating officer of Lipa Bank, Inc. (seated extreme right, first row) is joined by other participants of the 4th Credit Appraisal and Loan Management course in Calapan, Oriental Mindoro. Also in the photo (seated in the second row from left to right) are Loida J. de Vera, program coordinator; Eduardo N. de Castro, consultant and resource person; the author (who is also the program manager of the course), Maribel K. Buela, account officer of Land Bank of the Philippines in Calapan; and Susan S. Sarion, program manager of the Countryside Financial Institutions Enhancement Program.

UP ISSI held the fourth run of the Credit Assessment and Loan Management (CALM) course in Calapan, Oriental Mindoro from 11 to 16 July 2016.  The training program sponsored by the Countryside Financial Institutions Enhancement Program aims to equip the account officers of the different rural and cooperative banks in the province with tools to effectively assess, evaluate and monitor loans from their borrower entrepreneurs.  The program was also conducted in cooperation with the Bangko Sentral ng Pilipinas (BSP), the Land Bank of the Philippines, and the Philippine Deposit Insurance Corporation.

One of the highlights of the CALM training was the discussion of BSP Circular 855 or the Guidelines to Sound Credit Risk Management.  Some techniques to mitigate risks faced by the rural banks to manage loans effectively were also tackled in the training participated in by 25 loan and credit officers as well as managers from Region 4.

The learning outcome was based on exercises, workshops and formulation of the credit assessment report based on a sample case.

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