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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 Mar 2019 and is scheduled to close on 15 Mar 2019, 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. 31444937, while the tender notice number is 19-SBC-023 and Registering on the platform.
Procurement Summary
Country: Philippines
Summary: Local Consultant
Deadline: 15 Mar 2019
Posting Date: 12 Mar 2019
Other Information
Notice Type: Tender
TOT Ref.No.: 31444937
Document Ref. No.: 19-SBC-023
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 2019 LAGUNA BATCH 1 : RURAL BANK OF MAGDALENA (LAGUNA), INC.; RURAL BANK OF PAETE, INC.; TURUMBA BANK OF PAKIL, INC.; RURAL BANK OF LUMBAN (LAGUNA), INC.; AND DELA -˜O RURAL BANK, INC.
I. Approved Budget for the Contract
P 850, 000.00 (Instead of P 1.100 Million due to marketing the program at cost of P 50, 000.00 per RB)
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 promote the 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...
Closing Date : 2019-03-15
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