CREDIT

DEPARTMENT
& MANAGER
Presented by:
Marasigan, Ralph Rafael
Vierneza, Mary Blue
 WHAT ARE THE FUNCTIONS OF
CREDIT DEPARTMENT?
Credit approval: Deciding on credit applications.
Risk Management: Reducing the risk of non-payment.
Collections: Managing overdue accounts and debt recovery.
Customer Relations: Resolving disputes and maintaining
positive customer relationship.
Reporting and Analysis: Generating data-driven reports for
decision-making.
 ROLES OF A CREDIT MANAGER
1. Attending meetings with management and sales
2. Prequalifying customers and reviewing credit
applications
3. Continuously monitoring the creditworthiness
of existing customers
4. Documentation
5. Cash Flow Management
THANK YOU
for listening
 Team

BUELA, CESTONA,
GHIENELLE ANGELLIE CLAIRE
 Why do investigators
investigate the financial
condition and the dealings
of the debtor with
government lending
agencies?
To detect the To know if the debtor can

possibilities of the comply to the terms and

conditions of the
debtor being a fraud.
government lending agency.

To assess the risks To help protect the

entailed with lending public funds of the

money to the debtor. government lending

agency.
Thank You!
REPORTING

WHY DO INVESTIGATORS
INVESTIGATE THE BANK'S
EXPERIENCE WITH THE
DEBTOR AND COURT
CASES?
C I P R I A N O , M A . S H A I R E N E
F L O R E S , R I Z Z E L L E A N N
FINANCIAL DUE
DILIGENCE
Before giving loans or credit, banks and financial institutions
frequently undertake inquiries on a debtor's financial history
and creditworthiness. This assists them in determining the
borrower's capacity to repay the debt and managing risk.
Investigating court proceedings involving the debtor can provide
information about their financial stability as well as any
prospective legal concerns that may impair their capacity to
satisfy their financial commitments.
RISK ASSESSMENT:

The bank can determine the amount of risk connected with

a debtor by investigating the debtor's history with the bank
and any past court proceedings. If the debtor has a history
of loan defaults or has been involved in court problems
involving their financial dealings, it may raise questions
about their creditworthiness and reliability as a borrower.
 FRAUD DETECTION:

When there are accusations of fraud or financial misbehavior,

investigators may look into the debtor's previous dealings with the
bank as well as any court proceedings to find abnormalities or
fraudulent activity. This can aid in the discovery of proof of
financial malfeasance.
 RECOVERY OF DEBT:

If a debtor defaults on a loan or fails to meet their financial

obligations to the bank, the bank may initiate legal
proceedings to recover the debt. Investigating the debtor's
history with the bank and any prior court cases can assist in
building a case for debt recovery and determining the
appropriate legal strategies.
COMPLIANCE AND REGULATORY
REQUIREMENTS

Financial institutions must comply with regulatory

requirements and anti-money laundering (AML) regulations
by investigating their debtor experiences and court cases to
detect suspicious or illegal activities.
LITIGATION SUPPORT:

Banks in debtor legal disputes may employ

investigators to gather evidence, interview
witnesses, and review past interactions to
strengthen their case or defend against debtor
claims.
 ASSET TRACING:

Investigators may investigate debtors hiding assets to avoid

repayment, using financial history and court cases to locate and
recover assets.
 Banks use debtors' financial and legal
history to mitigate risk, make
RISK MITIGATION: informed lending decisions, and
minimize potential losses.
Overall, investigating a bank's experience with a debtor and court
cases is essential for assessing financial risk, ensuring compliance
with regulations, recovering debts, and uncovering potential
fraudulent activities. The specific reasons for such investigations
may vary based on the goals and concerns of the bank or financial
institution involved.
THANK YOU FOR
LISTENING!
Credit
Supervisor
Job Descriptions

Presentation by:
Agapay, Shirly Mae
Ditablan, Maria Resurrection
 CREDIT
SUPERVISOR
Responsibilities

Evaluate the
creditworthiness of Create and manage credit Supervise the collections
individuals or businesses limits for customers. process
applying for credit.

Credit Supervisor
Responsibilities

Maintain a highly
Ensure that the Credit
motivated, well-trained Analyze reports and
Analysts of the company
staff and evaluate job production activity of the
maintain accuracy and
performance in a timely company.
consistency.
manner.

Credit Supervisor
Thank you for Listening :)
 LANDICHO, LYKA MAE

JUNIOR & SENIOR

CREDIT ANALYST
VALDUEZA, SARLINE
CREDIT ANALYST
A credit analyst is a financial professional
who evaluates the creditworthiness of
individuals, businesses, or other entities
seeking loans or credit..
 JUNIOR CREDIT ANALYST
RESPONSIBILITIES SKILLS AND QUALIFICATIONS EDUCATIONAL BACKGROUND
Data Collection Financial Analysis A bachelor's degree in finance,
Financial Analysis Risk Assessment economics, accounting, or a
Credit Report Review Data Analysis related field is typically
Risk Assessment Communication required.
Documentation Eagerness to learn On-the-job training and
Report Preparations Regulatory Knowledge experience
Research Attention to Detail
Communication
Customer interaction
Training
 WHAT DOES
SENIOR CREDIT ANALYST DO?
The Senior Credit Analyst will evaluate the creditworthiness of individuals or firms, particularly in more
complicated and sophisticated transactions, to assess the risk of lending money or granting credit.

A bachelor's degree in economics, accounting, or statistics, as well as several years of experience working in
credit analysis or the actuarial profession, are prerequisites for a job as a senior credit analyst. Because this
is a senior role, everyone must work their way up from junior. Strong mathematical knowledge and
organizing abilities are also required for the work.
 SENIOR CREDIT ANALYST
THE RESPONSIBILITIES OF A
Create analyses of financial statements of clients
SENIOR CREDIT ANALYST
MAY VARY DEPENDING ON
Monitor the credit risk of clients
THE NEEDS OF EMPLOYERS.
IN GENERAL, BELOW ARE Evaluate and authorize credit limits
THE TASKS THAT ARE
ASSIGNED TO THE SENIOR Perform underwriting of loan requests and reviews
ANALYSTS:
CONCLUSION
With years of experience, junior credit risk analysts
may climb to senior positions, supervising junior
analysts, leading the analytical department, and
making key judgments.
Credit analysts play an important role because they
assess the creditworthiness of investors and
borrowers, identifying potential hazards for
investors and lenders and providing
recommendations that affect financial well-being.
THANK YOU
Describe the job description
of Junior and Senior
Appraiser
by:
Celyn Deaño
Samantha Rejas
 Junior
Appraiser
 referred to as an entry-level or
assistant appraiser primary
responsibility is to assist senior
appraisers in assessing the value of
properties.
 Senior
Appraiser
Senior Appraisers play a crucial role in the
real estate and property sector by
providing fair and accurate property
valuations, which have significant
implications for the economy and
individuals with property interests.
Thank you!
 CREDIT AND COLLECTION

JUNIOR AND
SENIOR CREDIT
INVESTIGATOR
3RD YEAR BSBA FINANCIAL MANAGEMENT

PRESENTED BY
AWA-AW, JESSA MAE AND
BAYOBO, JONALYN
JUNIOR CREDIT INVESTIGATOR
JOB DESCRIPTION

DATA COLLECTION ASSISTANT ROLE LIMITED EXPERIENCE

Gather financial Assist senior staff Relatively new to

information, credit in assessing the job and don't
reports, and other people's credit have much prior
relevant documents risk. knowledge
07
JUNIOR CREDIT INVESTIGATOR
JOB DESCRIPTION

INPUT AND SUPERVISED AND

RECOMMENDATIONS MENTORED

Give their opinions Guided and taught by

on whether more experienced and
someone should work under the
get credit guidance of senior staff.
07
SENIOR CREDIT INVESTIGATOR
JOB DESCRIPTION

Seasoned professionals with extensive

EXPERIENCE AND
experience in credit analysis, risk
EXPERTISE assessment, and financial institution.

DECISION
Have the authority to make important
MAKING decision related to an investigation.
AUTHORITY

Have interactions with clients,

CLIENT
explaining credit terms, negotiating
INTERACTION conditions and addressing inquiries.
SENIOR CREDIT INVESTIGATOR
JOB DESCRIPTION

TEAM
They may lead a team of Junior credit
LEADERSHIP AND
investigators and provide mentorship
MENTORSHIP and training to enhance their skills.

They conduct in-depth credit

COMPLEX CREDIT
assessment for individuals and
ANALYSIS businesses applying for credit.
THANK YOU

03
 CREDIT MANAGEMENT

HOW DO MANAGERS DEAL WITH THE

PROBLEM OF SUPERVISION?
DISCUSS THE CONTENT OF THE BANK
APPRAISAL REPORT
 HOW DO MANAGERS DEAL WITH
THE PROBLEM OF SUPERVISION?

.As a manager, you have more people and issues to

deal with. It's your job to filter them for urgency and
importance and help employees stay in focus to issue
that must me be solve first.
Supervision is a process that involves a manager
meeting regularly and interacting with staff to review
their work and provide support.
 HOW DO MANAGERS DEAL WITH
THE PROBLEM OF SUPERVISION?

THREE IMPORTANT APPEALS FOR USE IN ATTACKING THE

PROBLEM OF SUPERVISION, SUCH AS:

Pride in accomplishment.
Monetary reward for a difficult job done.
Commendation and praises.
 CONTENT OF THE BANK APPRAISAL
REPORT

BANK APPRAISAL REPORT

An “appraisal” is a comprehensive report that

determines the value of your property based on a
number of valuation factors, ranging from gross living
space, to the view and the year a property was built.
 CONTENT OF THE BANK APPRAISAL
REPORT

BANK APPRAISAL REPORT CONTAINS THE FOLLOWING

INFORMATION:

Subject of appraisal Land identity

a.)Name of the registered owner a.)TCT number
b.)Location of the property b.)Technical description
c.)Lot number
d.)Block number
 CONTENT OF THE BANK APPRAISAL
REPORT

BANK APPRAISAL REPORT CONTAINS THE FOLLOWING

INFORMATION:

Description of land Neighborhood data

a.)Shape a.)Semi-commercial
b.)Frontage b.)Commercial
c.)Residential
d.)Industrial
e.)Raw land
f.)Others
 CONTENT OF THE BANK APPRAISAL
REPORT

BANK APPRAISAL REPORT CONTAINS THE FOLLOWING

INFORMATION:

Public utilities Valuation

a.)Electricity, water, telephone, gas,
etc.
b.)Kind of transportation facilities
available
a.)Market and Appraisal value of
land
b.)Net value of improvements
c.)Total appraised value
d.)Recommended Loan Value
THANK YOU!

HTTPS://WWW.SLIDESHARE.NET/GUSAGOSTO1/APPRAISAL-REPORT-72662566
HTTPS://WWW.SCRIBD.COM/DOCUMENT/515862981/FM16-CREDIT-AND-COLLECTION-SEMI-FINAL
CREDIT POLICY
presented by:
Abalayan, Glaiza Marie C.
Ternal, Jazyl Mae P.
 TOPIC
what is credit policy?

how is it formulated?
 WHAT IS CREDIT POLICY?
Credit policy is a document containing guidelines and
regulations issued by the company for the credit
granted to the customers. It gives a clear overview of
the outstanding credit accounts and amounts. The
issuer of this policy can be companies, governments,
and banks.
 FORMULATING CREDIT POLICY
• ASSESSMENT OF BUSINESS GOALS AND OBJECTIVES
• RISK ASSESSMENT
• CUSTOMER COMMUNICATION
• FEEDBACK AND ADJUSTMENT
• CREDIT APPROVAL PROCESS
• TERMS AND CONDITION
• CREDIT MONITORING AND REVIEW
• IMPLEMENTATION
THANK
YOU
 Borcelle

How do Credit Managers Set

Standards for Control
Purposes and Disseminate
Loan Policy?

Presented by:
Balingasa, Shaira
Barba, Patricia
 Borcelle

How do credit managers set

standard for control purposes?
Implementing a structured credit policy
to ensure consistent credit decisions and
eliminate compliance issues.

Recognizing and analyzing the risk of

new clients defaulting on payments.

Optimizing contract administration and

accounts receivable collections.
 Borcelle

How do credit managers disseminate

loan policy?
Loan Policy Manual
Credit Manager Organizes
Meeting to Employees
Through Online