---
title: [OR] [MBT] [E3] [CBS] [5] [MPR] Map Processes and Resources
description: [OR] [MBT] [E3] [CBS] [5] [MPR] Map Processes and Resources
image: https://blog.bcm-institute.org/hubfs/Metrobank%20PH%20Graphic%20Folder/Metrobank%20E3%20Morepost/Metrobank%20CBS%205/%5BOR%5D%20%5BMBT%5D%20%5BE3%5D%20%5BCBS%5D%20%5B5%5D%20%5BMPR%5D%20Map%20Processes%20and%20Resources.jpg
---
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###### Building Resilient Banking Operations: The Metrobank Operational Resilience Implementation Guide
![BB OR \[A\] 7](https://blog.bcm-institute.org/hs-fs/hubfs/BB%20OR%20%5BAi%20Gen%20Blog%20Photo%5D/OR%20Pictures%20A/BB%20OR%20Folder%20A/BB%20OR%20%5BA%5D%207.jpg?width=2000&height=1333&name=BB%20OR%20%5BA%5D%207.jpg "BB OR [A] 7")
# \[OR\] \[MBT\] \[E3\] \[CBS\] \[5\] \[MPR\] Map Processes and Resources
[](https://cta-redirect.hubspot.com/cta/redirect/3893111/87e7f49d-dbef-4f23-931f-4a1f511f70bf)
In the context of operational resilience, mapping processes and resources for Metrobank's CBS-5 Loan and Credit Services is essential for identifying key components that ensure business continuity, compliance, and risk management.
This exercise aims to understand how different processes, people, technologies, and third-party vendors contribute to the successful operation of CBS-5.
It also enables Metrobank to assess its dependencies, vulnerabilities, and impact tolerances in accordance with regulatory requirements for operational resilience.
[](https://cta-redirect.hubspot.com/cta/redirect/3893111/bf4d1338-79cc-4e63-904c-9093a2477a6d)
[Moh Heng Goh](https://blog.bcm-institute.org/ebook-or/author/moh-heng-goh) Nov 26, 2025
###### Operational Resilience Certified Planner-Specialist-Expert
### [](https://cta-redirect.hubspot.com/cta/redirect/3893111/2196d2c2-e6e2-49b4-ba01-e7d03071dd00)
### [](https://cta-redirect.hubspot.com/cta/redirect/3893111/bf4d1338-79cc-4e63-904c-9093a2477a6d) **CBS-5 Loan and Credit Services**
[![\[OR\] \[MBT\] \[E3\] \[CBS\] \[5\] \[MPR\] Map Processes and Resources](https://no-cache.hubspot.com/cta/default/3893111/a910f80d-9706-4d89-9377-1c966c78054c.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/a910f80d-9706-4d89-9377-1c966c78054c)
In the context of operational resilience, mapping processes and resources for Metrobank's CBS-5 Loan and Credit Services is essential for identifying key components that ensure business continuity, compliance, and risk management.
This exercise aims to understand how different processes, people, technologies, and third-party vendors contribute to the successful operation of CBS-5.
It also enables Metrobank to assess its dependencies, vulnerabilities, and impact tolerances in accordance with regulatory requirements for operational resilience.
The following table provides a detailed mapping of each sub-CBS, listing the critical resources that support each of the functions within Metrobank's loan and credit services.
[![Banner \[Table\] \[OR\] \[E3\] Map Processes and Resources](https://no-cache.hubspot.com/cta/default/3893111/5af5497a-aa7f-41e4-b5ed-c9da8601d4ef.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/5af5497a-aa7f-41e4-b5ed-c9da8601d4ef)
##### Table P3: Map Processes and Resources for CBS-5
| Sub-CBS Code | Sub-CBS | Processes | People | Technology (Applications & Infrastructure) | Third-party Vendors | Upstream/Downstream Dependencies |
| --- | --- | --- | --- | --- | --- | --- |
| 5.1 | Retail Loan Origination and Assessment | Loan application intake, credit scoring, risk assessment | Loan officers, credit analysts | Loan origination system (LOS), CRM system, and credit scoring tools | Credit bureaus, external scoring providers | Branch network, CRM systems, retail banking systems |
| 5.2 | Corporate and Commercial Credit Underwriting | Business financial analysis, collateral evaluation | Relationship managers, underwriters | Underwriting platform, credit risk analysis tools | Independent appraisers, third-party risk assessors | Corporate banking systems, loan management systems |
| 5.3 | SME Financing and Credit Processing | Application review, risk assessment, and loan approval | SME loan officers, credit analysts | SME loan processing system, financial analysis tools | Credit bureaus, SME data aggregators | SME customer data from CRM, financial systems |
| 5.4 | Credit Approval and Sanctioning | Credit review and approval, sanctioning process | Credit committee, senior underwriters | Credit approval workflow system, enterprise resource planning (ERP) | Legal advisors, external auditors | Corporate banking systems, risk management systems |
| 5.5 | Loan Documentation and Contract Execution | Contract drafting, terms negotiation, and signature collection | Legal team, loan officers | Document management system, e-signature solutions | External legal firms, notaries | Legal systems, loan management systems |
| 5.6 | Collateral Management and Security Registration | Collateral evaluation, registration with authorities | Collateral officers, legal advisors | Collateral management system, security registration system | Property valuers, registry offices | Loan processing systems, legal systems |
| 5.7 | Loan Disbursement and Account Setup | Loan account setup, fund disbursement | Loan servicing officers, treasury team | Loan servicing platform, disbursement processing system | Payment processors, remittance services | Account opening systems, payment systems |
| 5.8 | Loan Servicing and Customer Support | Payment tracking, customer queries, and loan adjustments | Customer service agents, loan officers | Loan servicing software, customer service management platform | Call centers, payment gateways | Loan management systems, CRM, payment systems |
| 5.9 | Credit Monitoring and Risk Review | Risk assessment, portfolio review, and monitoring of borrower behavior | Credit risk managers, analysts | Risk management platform, portfolio management software | Credit bureaus, analytics providers | Financial systems, loan management systems |
| 5.10 | Collections and Delinquency Management | Debt recovery, customer negotiations, write-offs | Collections agents, legal team | Collections management software, automated payment reminders | Collection agencies, legal firms | Loan servicing systems, payment processing systems |
| 5.11 | Regulatory Reporting and Compliance | Regulatory filings, compliance checks, reporting | Compliance officers, finance team | Compliance software, regulatory reporting tools | Regulatory bodies, auditors | Accounting systems, financial systems |
| 5.12 | Loan Portfolio Analytics and Strategy | Portfolio analysis, performance forecasting, strategic planning | Portfolio managers, business analysts | Data analytics platforms, business intelligence tools | Data aggregators, financial data providers | Loan management systems, financial analytics platforms |
#### [![Banner \[Summing\] \[OR\] \[E3\] Map Interconnections and Interdependencies](https://no-cache.hubspot.com/cta/default/3893111/61e5330e-051c-4874-b6da-a1be8393c283.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/61e5330e-051c-4874-b6da-a1be8393c283)
Mapping the processes and resources for Metrobank's CBS-5 Loan and Credit Services is a critical step in ensuring that the bank can continue to operate effectively, even during disruptions.
By understanding the interdependencies across processes, technologies, people, and third-party vendors, Metrobank can establish a resilient operational framework that meets regulatory requirements for business continuity and resilience.
This mapping also highlights key areas for improvement and ensures that resources are allocated effectively to safeguard against potential risks.
With this comprehensive mapping in place, Metrobank can now focus on enhancing its operational resilience by refining processes, reinforcing dependencies, and investing in the necessary technologies to ensure robust service delivery across all aspects of loan and credit services.
| Building Resilient Banking Operations: The Metrobank Operational Resilience Implementation Guide | | | | | |
| --- | --- | --- | --- | --- | --- |
| **eBook 3: Starting Your OR Implementation** | | | | | |
| **CBS-5 Loan and Credit Services** | | | | | |
| **CBS-5 DP** | **CBS-5 MD** | **CBS-5 MPR** | **CBS-5 ITo** | **CBS-5 SuPS** | **CBS-5 ST** |
| [![\[OR\] \[MBT\] \[E3\] \[CBS\] \[5\] \[DP\] Loan and Credit Services](https://no-cache.hubspot.com/cta/default/3893111/2354a2d7-c4a2-4c61-a0ec-1d12406770a7.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/2354a2d7-c4a2-4c61-a0ec-1d12406770a7) | [![\[OR\] \[MBT\] \[E3\] \[CBS\] \[5\] \[MD\] Map Dependency](https://no-cache.hubspot.com/cta/default/3893111/514399e6-d4bb-4f32-a768-9ffdb1268df0.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/514399e6-d4bb-4f32-a768-9ffdb1268df0) | [![\[OR\] \[MBT\] \[E3\] \[CBS\] \[5\] \[MPR\] Map Processes and Resources](https://no-cache.hubspot.com/cta/default/3893111/a910f80d-9706-4d89-9377-1c966c78054c.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/a910f80d-9706-4d89-9377-1c966c78054c) | [![\[OR\] \[MBT\] \[E3\] \[CBS\] \[5\] \[ITo\] Establish Impact Tolerances](https://no-cache.hubspot.com/cta/default/3893111/7a6969df-3e94-4fa3-bf8e-785daebc5716.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/7a6969df-3e94-4fa3-bf8e-785daebc5716) | [![\[OR\] \[MBT\] \[E3\] \[CBS\] \[5\] \[SuPS\] Identify Severe but Plausible Scenarios](https://no-cache.hubspot.com/cta/default/3893111/418868dc-1354-459d-b5d7-a5f852a60f0d.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/418868dc-1354-459d-b5d7-a5f852a60f0d) | [![\[OR\] \[MBT\] \[E3\] \[CBS\] \[5\] \[ST\] Perform Scenario Testing](https://no-cache.hubspot.com/cta/default/3893111/bcb334a6-8027-4feb-a42b-090587358386.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/bcb334a6-8027-4feb-a42b-090587358386) |
[](https://cta-redirect.hubspot.com/cta/redirect/3893111/084e620a-46c5-419a-82ed-6a681d15c0b6)Gain Competency: For organisations looking to accelerate their journey, BCM Institute’s training and certification programs, including the OR-5000 Operational Resilience Expert Implementer course, provide in-depth insights and practical toolkits for effectively embedding this model.
#### More Information About OR-5000 \[OR-5\] or OR-300 \[OR-3\]
To learn more about the course and schedule, click the buttons below for the OR-300 Operational Resilience Implementer course and the OR-5000 Operational Resilience Expert Implementer course.
| [](https://cta-redirect.hubspot.com/cta/redirect/3893111/3530eccb-515d-401e-afc2-3469e26d7fbf) | [](https://cta-redirect.hubspot.com/cta/redirect/3893111/fdd4fa9c-ed69-40c1-925f-4eb6a1c5c255) | [](https://cta-redirect.hubspot.com/cta/redirect/3893111/77a34b84-0a6d-44f8-b8d6-6ab04cdf5edd) |
| --- | --- | --- |
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| [![\[BL-OR\] \[3\] FAQ OR-300](https://no-cache.hubspot.com/cta/default/3893111/f20c71b4-f5e8-4aa5-8056-c374ca33a091.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/f20c71b4-f5e8-4aa5-8056-c374ca33a091) | If you have any questions, click to contact us.[![Email to Sales Team \[BCM Institute\]](https://no-cache.hubspot.com/cta/default/3893111/3c53daeb-2836-4843-b0e0-645baee2ab9e.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/3c53daeb-2836-4843-b0e0-645baee2ab9e) | [](https://cta-redirect.hubspot.com/cta/redirect/3893111/7f2718a4-ea80-4f84-a319-dc2d4df37a46) |
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