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Our
Branch Model
Private & Confidential Deck 1: For Office use
only Oct 2008 Ver 14/RPM
PART 1
Citi/CSI Loan Center
Product Overview
•Citi Operates in over 100 countries worldwide. Have more than 300,000 employees
around the world.
•Citifinancial is a proud member of Citi
• February 2003 Citifinancial Philippines re-branded from Associate’s Finance to
Citifinancial Philippines Corp (CFC).
•In the Philippines, we currently have 15 branches + all the CSI branches
• In August, 2008, Citifinancial was integrated into Citibank Savings. Our new name:
CITIBANK SAVINGS LOAN CENTER Private & Confidential Deck 1: For Office use
only Oct 2008 Ver 14/RPM
Citi GOAL
LENDING
involves granting of loans to consumers, principally on an
installment basis.
COLLECTING
We collect to:
- ensure updated loan accounts
- remind and educate clients of their obligations
- secure low delinquency levels
Salaried Individuals
Self employed
Professionals
Businessmen
Routes
CVU SUP Contact Telephone back to
Internal File
Review file Point branch for
Check
Verification (BAP/NAS and decide on Verification Verification Loan
pre-approval (if required) (EV,ResV, closing
RefV)
Banco de Oro
BPI
Standard Chartered
Chinatrust
HSBC
PSBank
PRODUCT
BRIEFING
UNSECURED
PERSONAL
LOANS
August 2007
PL PROGRAMS
New borrower
Program
- Core programs
- Surrogate programs
Existing Borrower
Program
-PB (present borrower) renewals
Product Features
no application fee
no collateral required
no guarantor asked
renewal opportunity
C itizenship
R esidence or Business Location
A ge
RAC = I ncome
N egative findings; non-targeted
CRAINTT occupation
T ime on Job (TOJ)/Business
T elephone requirements
4. Cora Santos 45 years old. Boarder for a year at Malugay. Salary: P15,000.
Senior Florist at Sylvia’s Flower Shop. No landline at residence but
has a prepaid mobile number. Is she in or out? Is there an issue?
Private & Confidential Deck 1: For Office use
only Oct 2008 Ver 14/RPM
Risk Acceptance Criteria: SELF-EMPLOYED
C R ITER IA P OLIC Y
Citizenship Filipino OR Local R es ident Foreigners
Re side nce or Busine ss
Loca tion R es idence or place of bus ines s m us t be w ithin the branch trade area
Re fe re nce s 2 Trade references (supplier) - For S E only
21years old at the tim e of loan grant
Age
65 years old upon loan m aturity
Incom e follow the grid in incom e routes
Non Ta rge tte d Negative file : No adverse findings
occupa tion/ Adve rse Non targetted Occupation: Overseas W orkers; lawyers and judges;
Findings contractual workers, purely com m ission based agents
Tim e on Job Self-em ployed for > = 3 years; Professionals >= 1 year
Self em ployed: Business Landine and Cellphone in all cases
Te le phone
Professionals: B usiness landline and cellphone, in all cases
4x ne t m onthly incom e for Se gm e nt A(>&=B600M gross
Loa n Assignm e nt annual incom e); 3x Ne t m onthly incom e for se gm e nt C1
(< P 600M;) M a x im um of 250,000.00 whichever is lower
Othe rs No Credit Card required;Full te rm P DCs a re re quire d for a ll ca se s
F o rR C B C /B a n k a r d : n o t fo r C C S P
C a rd is s u e rA ll is s u e rs in the G rid
CCSP RATE MAYBE GIVEN TO BORROWERS with <25M CL but met the 3 Basic
RAC must be met:
MOB; Utilization; Status
Member of Acceptable Credit Card
issuer
*This is subject underwriting equivalent to income route. Must pass all the
requirements of NDI, DBR, PTI.
20.5 years old. Single . Call center Team Leader. 3 years on the
job. Has Bankard Credit Card 50,000 Credit limit, MOB 7 mos.
3. Kate Gross annua income P300,000.00. Is she in? What product
program will you offer?
36 years old. AIG Credit card, with 15, 000 Credit limit. MOB 2
4. Annie years. Utilization 80%.She is a regular FTI assembly line worker
for 4 years now. Lives in Paranaque. Is she in or out? What will
you offer?
Private & Confidential Deck 1: For Office use
only Oct 2008 Ver 14/RPM
Risk Acceptance Criteria:
CLASS A VILLAGE
CRITERIA POLICY
Citizenship Filipino OR Local Resident Foreigners
Residence or Business
Location Residence or place of business must be within the branch trade area
35 years old at the time of loan grant
Age
65 years old upon loan maturity
Location of Residence of
Business Residence or place of business must be within the branch trade area
Income P600 documented (ITR/AFS) Gross annual Income (B)
Negative file : No adverse findings
Negative Records Non targetted occupation: lawyers and judges; overseas workers;
contractual workers; purely commission based agents
For Salaried: must be a permanent employee. If probationary,
Time on Job he/she must be in the same line of work for 2 years.
For Self-employed : >= 3 years;
Must have residence landline and cellphone
Telephone
Professionals: Business landline in all cases;
References 2 Trade references (suppliers)
Loan Assignment Loan amount is fixed at P125M
Open to "owners and or spouse" of properties/house within Class A
villages
Others
If failed program RAC/requests for higher loan amount, use regular
RAC
D o c u m e n t P o lic y
A p p lic a t io n F o rSmig n e d b y a p p lic a n t
I d e n t if ic a t io n P h o t o c o p y o f P R C ID r e q u ire d fo r p ro fe s s io n a ls + 1 P r im a ry ID
P R C L ic e n s e ( s h o u ld b e a t le a s t 3 y e a rs , n o t e x p ir e d )
P r o o f o f In c o m Le a t e s t IT R w it h B IR S t a m p / w 2 a n d
L a t e s t a u d it e d fin a n c ia l s t a t e m e n t
P r o o f o f R e s id eS nh ocueld b e u n d e r t h e n a m e a n d a d d r e s s o f t h e a p p lic a n t
L o c a l R e s i d e n tF o r lo c a l r e s id e n t fo r e ig n e r s , Im m ig r a n t C e rt ific a t e o f R e s id e n c y (IC R ) o r
F o r e ig n e r s O R V IS A a n d W o r k P e r m it
O th e rs F u ll t e rm P D C
Higher-level approval is not required for these cases provided all other conditions are met.
Segment A , B, CCSP Gold - PDC 1.460% 1.457% 1.471% 1.492% 1.517% 1.570% 2500
CCSP Silver - PDC 2.020% 2.031% 2.066% 2.109% 2.157% 2.254% 4% of Loan Amount
Dr. Seg A - PDC 1.460% 1.457% 1.471% 1.492% 1.517% 1.570% 2500
Dr. Seg B - PDC 1.460% 1.457% 1.471% 1.492% 1.517% 1.570% 2500
Other Fees: