Metrobank, as one of the leading universal banks in the Philippines, provides a comprehensive range of essential financial services to retail, corporate, and institutional clients.
Among these services, CBS-5 Loan and Credit Services constitutes a core business domain that underpins access to liquidity, supports personal and business financing needs, and sustains economic activity.
This chapter outlines the detailed business processes, referred to as Sub-Critical Business Services (Sub-CBS), that underpin Metrobank’s Loan and Credit Services.
These Sub-CBS elements represent the structured processing chain that enables credit origination, underwriting, approval, disbursement, and ongoing loan lifecycle management.
Understanding these processes supports a robust operational resilience posture by identifying potential points of failure, dependencies, and required continuity measures.
Table P1: Detailed Processes for CBS-5
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Sub-CBS Code |
Name of Sub-CBS |
Description of Sub-CBS |
|
5.1 |
Retail Loan Origination and Assessment |
Process for receiving and evaluating applications for personal loans, auto loans, and housing loans submitted by retail clients, including credit checks, income verification, and risk scoring. |
|
5.2 |
Corporate and Commercial Credit Underwriting |
Due diligence and evaluation of corporate borrowing requests involving financial analysis, collateral evaluation, business viability assessment, and risk rating reviews. |
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5.3 |
SME Financing and Credit Processing |
Assessment and approval workflow specific to small and medium enterprises, including eligibility screening, financial performance review, and credit scoring tailored for SME risk profiles. |
|
5.4 |
Credit Approval and Sanctioning |
Formal approval and sanctioning process executed through delegated credit authorities and credit committees based on internal credit policies and risk tolerance thresholds. |
|
5.5 |
Loan Documentation and Contract Execution |
Drafting, reviewing, and executing loan contracts and collateral agreements, including legal compliance checks and notarization where required. |
|
5.6 |
Collateral Management and Security Registration |
Administration of collateral valuation, perfection of security interests, lien registration, and periodic reassessment of collateral adequacy. |
|
5.7 |
Loan Disbursement and Account Setup |
Processing and release of loan proceeds to approved borrowers alongside creation of loan accounts, repayment schedules, and disbursement records in core banking systems. |
|
5.8 |
Loan Servicing and Customer Support |
Ongoing servicing of loan accounts, including repayment processing, customer inquiries, billing statements, and loan restructuring support. |
|
5.9 |
Credit Monitoring and Risk Review |
Continuous assessment of borrower performance, credit exposure tracking, monitoring of financial covenants, and early warning signal identification to mitigate credit deterioration. |
|
5.10 |
Collections and Delinquency Management |
Structured recovery activities for overdue accounts, including collection outreach, repayment negotiation, restructuring programs, and escalation to legal recovery channels when necessary. |
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5.11 |
Regulatory Reporting and Compliance |
Preparation and submission of reports to financial regulators concerning loan portfolios, credit exposures, capital adequacy requirements, and provisioning in accordance with prudential regulations. |
|
5.12 |
Loan Portfolio Analytics and Strategy |
Data-driven evaluation of the loan book performance, portfolio diversification, stress testing, and development of risk mitigation and credit growth strategies. |
The Loan and Credit Services function plays a pivotal role in Metrobank’s mission to support the financial needs of individuals and enterprises.
The Sub-CBS breakdown provides granular visibility into the functional activities that collectively maintain the integrity of credit delivery and risk management.
From origination to portfolio oversight, each Sub-CBS contributes to the seamless execution of credit operations while ensuring compliance, risk management, and continuity of customer service.
A comprehensive understanding of these business processes strengthens Metrobank’s operational resilience strategy by enabling targeted risk assessments, prioritisation of continuity resources, and enhanced preparedness for potential disruptions.
This structured perspective supports Metrobank’s commitment to maintaining trust, safeguarding financial stability, and delivering uninterrupted credit services to its stakeholders.
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