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Capability Building on SME Risk-Based Lending (Part I)

Course Name Capability Building on SME Risk-Based Lending (Part I)
An Online Course on Credit Assessment of SMEs

To inquire more about our courses, you may call our Program Sales Officers at 830.20.50 or email us at

Price: USD 110.00 (Excludes shipping fees for additional documents, such as: invoice, official receipt, and certificates of attendance)

This online course offers a customized approach in the credit assessment of small and medium enterprises (SMEs). It reexamines established credit principles and processes, and refocuses these for effective SME lending applicability. The alternative credit assessment approaches and activities the course provides deviate from the traditional evaluation processes used for commercial credit applicants; recognizing the uniqueness of SMEs as a business sector, these have a strong SME slant.

Capability Building on SME Risk-Based Lending (Part I)  is a pre-requisite course to Part II.

Complementary Courses

Watch out for the sequel of this course (Part II) to be offered next quarter. It will cover the following topics:

    A.    Evidence examination
        1.    Financial statements
        2.    Trend/Time series analyses
        3.    Ratios, averages, turnovers
        4.    Financial condition analysis
        5.    Cash flow analysis
        6.    Working capital analysis
    B.    Management evaluation
    C.    Industry analysis (as appropriate)
    D.    Financial statement validation techniques
    E.    Credit risk rating

II.    CREDIT SUPERVISION (interspersed above, as appropriate)



Successful completion of the course enables the participants to:
    1.    Obtain credit information from alternative sources to understand the various risks involved in SME lending;
    2.    Validate and effectively use the financial statements submitted by SME applicants;
    3.    Trace and assess the business cycle/s of credit applicants to identify and assess their financing needs, financing sources, and cash flow sources;
    4.    Assess specific credit risks for a more informed credit decision; and
    5.    Determine and develop the appropriate credit package for applicants.


The course, which employs practical application exercises, covers the following areas:

    A.    Course coverage, objectives, format
    B.    Terminologies and definitions
    C.    Basic credit principles – includes the “Ten Commandments of Commercial Credit”
    D.    Conceptual view of the bank credit universe
        1.    Potential risks in credit
        2.    Transaction analysis
    E.    The credit process flow
    F.    Elements of sound credit

    A.    Understanding SMEs, their financing needs and wants
    B.    Credit evaluation objectives
    C.    Credit evaluation approaches
    D.    Suggested activities in evaluating SMEs
    E.    Information requirements
    F.    Key financial performance indicators
    G.    Early warning signals

Resource Speakers
Mr. Larry S. Esguerra IV

is Director for Credit Programs at the Ateneo-BAP Institute of Banking, Program Director for Finance and Accounting at the Ateneo Center for Continuing Education and a Professor of Finance at the Ateneo Graduate School of Business. He is also Chief Financial Officer of a multinational construction and engineering firm and a diversified group of companies.

Mr. Esguerra has spent the greater part of his professional career in the financial services industry in the United States. Prior to his return to the Philippines, he was President and Chief Executive Officer of Golden Bay Federal Credit Union, a California-based, federally chartered credit union servicing the financial needs of military personnel and federal employees of the United States government. He also served as Vice President and Controller of Franklin Bank in Menlo Park, California; Associate Director of Capital Strategies Limited, a Hong Kong-based investment banking firm; and Resident Auditor of Citibank, N.A. in the Philippines.

Mr. Esguerra holds a Bachelors degree in accounting from the University of the Philippines and a Masters degree in Business Administration from the University of Phoenix. He is a Certified Public Accountant.