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CBC > Credit Management > Flashcards

Credit Management Flashcards

1
Q

The Credit Management Group is under what segment?

A

Business Operations Support Segment

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2
Q

How many officers and staffs CMG currently have?

A

189 Officers and staffs

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3
Q

What are the 3 main roles of CMG?

A
  1. Control
  2. Credit Policies
  3. Credit Reports
    End Goal: Credit Quality
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4
Q

Responsive to achieving the credit quality, what are ways CMG can do to achieve such role and objective?

A
  1. Independent
  2. Credit Tools
  3. Sound Credit Management
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5
Q

What are the 4 areas of inter-relationship of CMG?

A
  1. Legal
  2. Compliance
  3. Operations
  4. RMG
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6
Q

What’s the intersection between Legal & Compliance?

A

Laws & Acts

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6
Q

What’s the intersection between legal and operations?

A

Internal Policies

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7
Q

What’s the intersection between Operations and RMG?

A

Policy Implementation

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7
Q

What’s the intersection between Compliance and RMG?

A

Regulations

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8
Q

What are the four divisions under Credit Management group?

A
  1. Credit Policy Supervision Department (CPSD)
  2. Credit Process Management Division (CPMD)
  3. Credit Documentation and Control Division (CDCD)
  4. Credit and Market Research Department (CMRD)
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9
Q

This division mainly handles the credit formulation and amendment and card bulletin. They provide supervision/ compliance with duty to review the product manuals and proposed changes in operational policies and procedures of other units in the bank and even the subsidiaries.

A

Credit Policy and Supervision Department (CPSD)

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10
Q

They do internal and external credit investigation.

A

Credit Information Management Department (CIM)

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11
Q

CIM does bank checking via the _____________:

A

BAP Loandex Information System (LIS)

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12
Q

What are the different departments/Divisions under CPMD?

A
  1. CIM
  2. CMIS
  3. PAD 1
  4. PAD 2
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13
Q

They mainly do Internal Credit Investigation and External Credit Investigation through the utilization of the CISA of 2008.

A

Credit Information Management Department (CIM)

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14
Q

They coordinate with PCCI on the required monthly extracts of loans and credit facilities.

A

CIM made possible through CISA (RA 9150).

15
Q

What’s the 2 main mandates of CPSD under its Credit Policy?

A
  1. Formulation, Amendment
  2. Credit Bulletin
16
Q

How do CIM does external credit investigation?

A
  1. Residence Address Verification
  2. Business Verification
  3. Employment Verification
  4. Lease Verification
  5. Trade Verification

(RBELT)

17
Q

CIM does adverse checking via _____________________

A

Negative File Information System (NFIS)

18
Q

SEC and DTI Verification can be done through

A

SEC and CIBI

19
Q

In doing external investigation, what are the things you need to verify?

A
  1. Residence Address Verification
  2. Business Verification
  3. Employment Verification
  4. Lease Verification
  5. Trade Verification
20
Q

What specific law is CISA?

A

RA 9150

21
Q

True or False: CISA ensures that CBC credit data is submitted to the CIC on or before the 3rd banking day of the month.

A

False. 5th banking day

22
Q

True or False: CMIS process requests to access and get credit reports from CIC

A

False. It is the CIM.

23
Q

Differentiate CIM and CMIS.

A

CIM
- Internal Credit Investigation
- External Credit Investigation
- CISA

CMIS
- CMS Unit
- Portfolio Section Reports

24
Q

What does PAD 1 stands for:

A

Property Appraisal Department- Corporate

25
Q

What does PAD 2 stands for:

A

Property Appraisal Department- Retail/ Consumer

26
Q

What team handles accounts of IBS/RBB Binondo Business Center/ Remedial/ Acquired Assets/ Legal and Collection Group/ Trust

A

Cluster A: Team 1- Appraisal Team

27
Q

Handles all IBS, RBB, Consumer Banking (CBS) and other accounts.

A

Cluster A: Team 4- Title Verification

28
Q

What cluster does PAD Admin Team belongs to:

A

Cluster B

29
Q

It is the handling accounts of RBB MM Branches, including part of South Luzon (Cavite/ Batangas/ Laguna/ Quezon Province) & Rizal Branches

A

Cluster B: Team 2- Appraisal Team

30
Q

Handling accounts of Consumer Banking Segment (CBS) Head Office/ HR

A

Cluster C: Team 2- Appraisal Team

31
Q

What cluster North Luzon Hubs such as: Dagupan & Isabella (Satellite Office) and Central & South Luzon Hubs such as Pampanga & Legazpi City

A

Cluster C

32
Q

What cluster does Cebu Hub, Visayas Hub (Bacolod, Iloilo, Ormoc), and Mindanao Hub (Davao & Cagayan de Oro)

A

Cluster D

33
Q

True or False: Credit Files Management Unit includes: Securities Custodianship, Credit Document Management System, Credit Record Custodianship

A

True

34
Q

Documentation review of commercial accounts of
Institutional Banking
Segment (IBS)

A

Documentation Review Department- Commercial

35
Q

Documentation review of corporate accounts of IBS

A

Documentation Review Department- Corporate

36
Q

Documentation review of accounts of Retail Banking
Segment (RBB), with hubs located in: Manila Binondo etc.

A

Documentation Review Department- Metro Manila

37
Q

It is being performed to ensure that required documents are complete and in order.

A

Documentation review or “chopping”

CBC (7 decks)

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