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The SMALL BUSINESS GUARANTEE AND FINANCE CORP. has issued a Tender notice for the procurement of a Local Consultant in the Philippines. This Tender notice was published on 12 Jul 2018 and is scheduled to close on 16 Jul 2018, with an estimated Tender value of Refer Document. Interested bidders can access detailed Tender information, eligibility criteria, and complete bidding documents by referencing TOT Ref No. 24881889, while the tender notice number is 18-SBC-050 and Registering on the platform.
Procurement Summary
Country: Philippines
Summary: Local Consultant
Deadline: 16 Jul 2018
Posting Date: 12 Jul 2018
Other Information
Notice Type: Tender
TOT Ref.No.: 24881889
Document Ref. No.: 18-SBC-050
Financier: Self Financed
Purchaser Ownership: -
Tender Value: Refer Document
Purchaser's Detail
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Login to see detailsTender Details
Local Consultant
TERMS OF REFERENCE FOR LOCAL CONSULTANTS (Individual)
PROJECT TITLE: CAPACITY BUILDING PROGRAM ON RISK-BASED LENDING FOR BANKS AND FINANCIAL INSTITUTIONS (ON SHARED COST -BASIS)
SPECIFICALLY FOR 2018 BATCH 3 - METRO MANILA FEDERATION OF RURAL BANKS MEMBER BANKS: METRO SOUTH COOPERATIVE BANK; MVSM (A RURAL BANK SINCE 1953), INC.; AND RURAL BANK OF MONTALBAN, INC.
I. Approved Budget for the Contract
P 582, 000.00
II. Program Objectives
SB CORP is implementing the Capacity Building Program on Risk Based SME Lending for Rural Banks and other Financial Institutions on cost-sharing basis, and it has four components, namely Comprehensive Bank-Level Consultancy, BRR FRR Workshops, Sound Credit Risk Management with Database for Rated SME Loans, and Pilot Implementation. The program targets rural banks and other financial institutions that need technical assistance to have a risk-based lending technology for SMEs. It seeks to help the present state of credit access of SME borrowers.
The Program has these objectives:
1. Ensure a change of mindset on asset based or collateral lending
2. Implement internal credit risk rating and credit risk management in the client bank inclusive of the database for rated SME loans
3. Initiate SME lending or increase the client bank-s SME loan portfolio
4. Institutionalize risk based lending policy through a credit policy manual
5. Organize an SME Lending Unit and a Risk Management Unit
III. Contract Duration: Six (6) months to one (1) Year
Each rural bank engagement is divided into four (4) phases with an interval of at most two (2) weeks in between. The schedule shall be duly approved by the rural banks and SB Corporation.
IV. Activities and Deliverables
The hired RBL consultant shall render the following consultancy services:
Activities Deliverables
PHASE I
Conduct of an entry level bank diagnostics on rural bank-s lending operations. (Credit policies, credit approval and approving authorities, credit delivery processes, account management and corresponding structures) and capacity for SME financing.
Diagnostics Report on client banks credit system
Review of 10 SME credits (Max)
Project visit on two (2) SME borrowers
Activities Deliverables
Secure the bank-s management and owners- buy-in to adopt risk- based lending strategy in ending to SMEs; and to promote SB Corp-s wholesale lending and credit guarantee programs. Presentation of RBL and Best Banking Practices to the Board and Negotiation for acceptance of the same
Conduct action planning and prepare a Risk-based Lending Action Plan based on the consultant-s recommendations on how to address the diagnostic findings and adopt risk-based lending strategy; Risk based lending Action Plan
Negotiate with RB client on its acceptance of risk-based lending principles and the discipline of best banking practices in SME finance and on its commitment to implement the RBL Action Plan Board Resolution on the bank-s approval of the RBL Action Plan.
Phase 1 Interim Report
PHASE II
Conduct lectures or workshops on internal risk rating and for the core teams of the rural banks, and on risk identification and risk-based pricing and provisioning
Attendance sheet of participants
Conduct a crash course on financial analysis, validation of financial accounts and reconstruction of financial statements -do-
As an option, the consultant may use a client bank-s SME client for risk rating purposes Disclosure by the bank on sample case for rating (Optional)
PHASE III
Conduct a technical workshop on sound credit risk management such as credit manual, loan documentation inclusive of the database for rated SME loans, credit review process, loan covenants and RBL structure. Loan work out is optional.
Attendance sheet
Board Resolution on Approval of Credit Policy Manual
Phase 3 Interim Report
Mentor the core team on risk-based lending units for SME credit delivery and credit risk management or risk management. Board Resolution on SME Lending Unit and Risk Management Unit
Mentor on the maintenance of database of risk-rated SME loans for credit risk management.
PHASE IV
Conduct an exit conference with the client bank-s top management at the end of consultancy engagement
Certificate of appearance
Assist the core team plan in preparing the draft of Pilot Risk Based Lending Implementation Plan Draft of Pilot RBL Implementation Plan
Provide guidance to the core team on its pilot RBL implementation in the bank. For inclusion in Phase 4 Interim Report
Assist the client bank core team in preparing for the mid-term and end-term technical assessment sessions
Coordinate with the core team on the Evaluation and Monitoring System (EMS) as SB Corp-s method of post-consultancy monitoring to revisit the bank-s adoption of risk based lending Phase 4 interim report and Final Report
Help market SB Corp-s wholesale lending and credit guarantee programs
V. Terms of Payment
Payment of professional fees and per diems shall be on progress billing or per phase basis and upon submission of reportorial requirement and other specific deliverables. Mobilization fund for the consultant shall be sourced from direct payment of the client bank of its share in program-s total cost as down payment in government is not allowed.
VI. Minimum Qualification of Consultant
1. At least 10 years of credit experience in a bank or financial institution
2. At least 5 yrs work experience as loan officer or credit evaluation job
3. At least 5 yrs of managerial position
4. Proven intellectual managerial competence as an offsetting qualification standard
VII. Criteria for evaluation
Since the program delivery follows a structured and well defined work schedule, proposal evaluation is not required. Instead, the personal qualification of consultant is the more important aspect of evaluation.
The consultant shall be evaluated based on the following criteria:
iƒ1/4 Qualification and competence - 50%
iƒ1/4 Experience and capability of the consultant - 20%
iƒ1/4 Communication and coaching skills - 10%
iƒ1/4 Acceptance of RBL - 10%
iƒ1/4 Attitude towards learning - 5%
iƒ1/4 Post-graduate studies - 5%
Pls. quote your best rate
Thank you.
Line Items
Item No.Product/Service NameDescriptionQuantityUOMBudget (PHP)
1Local Consultant6 months to 1 year duration1Lot582, 000.00
Closing Date : 2018-07-16
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