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History In 1931 some credit men met and discussed the Credit problem of their companies. They

History

History In 1931 some credit men met and discussed the Credit problem of their companies. They
History In 1931 some credit men met and discussed the Credit problem of their companies. They
History In 1931 some credit men met and discussed the Credit problem of their companies. They
History In 1931 some credit men met and discussed the Credit problem of their companies. They
  • In 1931 some credit men met and discussed the Credit problem of their companies. They envisioned a need to form an organization.

  • April 19, 1932 they formally formed the association as a non-stock non-profit institution under the name of “Association of Credit Men, Inc.”

  • In 1967 the Association formally changed its name to Credit Management Association of the Philippines (CMAP) Inc.

  • At present CMAP has over 350 member companies from the banking, financing, services, trading, manufacturing, and insurance sectors of the Philippine business.

  • Also, affiliated with CMAP are regional credit associations from Visayas and Mindanao.

Vision Foster a strong and sturdy professional association Contribute to the financial stability of its member

Vision

Vision Foster a strong and sturdy professional association Contribute to the financial stability of its member
Vision Foster a strong and sturdy professional association Contribute to the financial stability of its member
Vision Foster a strong and sturdy professional association Contribute to the financial stability of its member
Vision Foster a strong and sturdy professional association Contribute to the financial stability of its member
  • Foster a strong and sturdy professional association

  • Contribute to the financial stability of its member and national economic growth and progress

  • Nurture credit consciousness, responsibility and discipline among credit grantors and credit users

Mission To make CMAP the premier credit management institution To instill, develop and nurture credit consciousness,

Mission

Mission To make CMAP the premier credit management institution To instill, develop and nurture credit consciousness,
Mission To make CMAP the premier credit management institution To instill, develop and nurture credit consciousness,
Mission To make CMAP the premier credit management institution To instill, develop and nurture credit consciousness,
Mission To make CMAP the premier credit management institution To instill, develop and nurture credit consciousness,
  • To make CMAP the premier credit management institution

  • To instill, develop and nurture credit consciousness, responsibility and discipline

  • To promote active and voluntary interchange, mutual and reciprocal use, of quality credit information

  • To establish maintain and perpetuate mutual confidence, closer cooperation, fellowship and camaraderie among creditmen

  • To promote continuing credit education

  • To ensure wise and healthy use of credit

Objectives • To promote active and voluntary interchange of credit information amongst members • To develop
Objectives • To promote active and voluntary interchange of credit information amongst members • To develop

Objectives

Objectives • To promote active and voluntary interchange of credit information amongst members • To develop
Objectives • To promote active and voluntary interchange of credit information amongst members • To develop
Objectives • To promote active and voluntary interchange of credit information amongst members • To develop

To promote active and voluntary interchange of credit information amongst members

To develop and nurture credit consciousness among credit practitioners.

To instill discipline among credit users and credit grantors.

To contribute to the country's economic development thru effective credit

Membership Regular members are members who may be business organizations or individuals. Currently, membership is organized
Membership Regular members are members who may be business organizations or individuals. Currently, membership is organized

Membership

Membership Regular members are members who may be business organizations or individuals. Currently, membership is organized
Membership Regular members are members who may be business organizations or individuals. Currently, membership is organized
Membership Regular members are members who may be business organizations or individuals. Currently, membership is organized

Regular members are members who may be business organizations or individuals.

Currently, membership is organized on a per industry group such as:

  • 1. Banking

- 23%

  • 2. Trading

- 20%

  • 3. Financing/Lending Investors

- 19%

  • 4. Manufacturing

- 17%

  • 5. Services

- 10%

  • 6. Real Estate

- 5%

  • 7. Insurance

- 4%

  • 8. Telecommunications

- 2%

Qualifications for Regular Corporate member 1. Registered with the Securities and Exchange Commission 2. Operating for
Qualifications for Regular Corporate member 1. Registered with the Securities and Exchange Commission 2. Operating for
Qualifications for Regular Corporate member 1. Registered with the Securities and Exchange Commission 2. Operating for
Qualifications for Regular Corporate member 1. Registered with the Securities and Exchange Commission 2. Operating for
Qualifications for Regular Corporate member 1. Registered with the Securities and Exchange Commission 2. Operating for

Qualifications for Regular Corporate member

1.Registered with the Securities and Exchange Commission 2.Operating for at least two (2) years

3.Has a credit and/or collection unit within their organization

4.Good business and credit reputation 5.Sound financial condition

Qualifications for Individual member 1. Has competence and experience in the field of credit and collection
Qualifications for Individual member 1. Has competence and experience in the field of credit and collection
Qualifications for Individual member 1. Has competence and experience in the field of credit and collection

Qualifications for Individual member

Qualifications for Individual member 1. Has competence and experience in the field of credit and collection
Qualifications for Individual member 1. Has competence and experience in the field of credit and collection

1. Has competence and experience in the field of credit and collection management

2. Good business and credit reputation

CURRENT CMAP BOARD OF DIRECTORS

BENNY T. PASAPORTE President Bank of the Philippine Islands RODOLFO M. CARLOS JR. Vice President BDO
BENNY T. PASAPORTE
President
Bank of the Philippine Islands
RODOLFO M. CARLOS JR.
Vice President
BDO Leasing & Finance, Inc.
MELINDA C. CLARIN
Secreatary
Stores Specialists, Inc.
NEIL B. BINALLA
Treasurer
John
Clements Consultants, Inc.
MARIZ S. VELICARIA
Asst. Secretary
Philippine Savings Bank
MARIE CIELO T. VERAN
Asst. Treasurer
Development Bank of the Phils.
ANN JANET A. ANZURES Director China Banking Corp. ERDULFO S. SION Director Business Assistance Credit Corp.
ANN JANET A. ANZURES
Director
China Banking Corp.
ERDULFO S. SION
Director
Business Assistance Credit Corp.
JOHN HENRY T. REYES
Director
Digitel Mobile Philippines Inc.
EDMUND D. LAURICIO
Director
K Servico Trade Inc.
MARGOT SANTOS
Director
Hongkong & Shanghai Banking Corp.
OSCAR G. GUMABAY
Ex-Officio
Rizal Commercial Banking Corp.

 and CMAP STANDING COMMITTEES Credit Education Research Committee is responsible for providing continuing education and
and
and
 and CMAP STANDING COMMITTEES Credit Education Research Committee is responsible for providing continuing education and
 and CMAP STANDING COMMITTEES Credit Education Research Committee is responsible for providing continuing education and
 and CMAP STANDING COMMITTEES Credit Education Research Committee is responsible for providing continuing education and

CMAP STANDING COMMITTEES

Credit

Education

Research

Committee

is responsible for

providing continuing education and training to members and other credit and collection practitioners through seminars and workshops on various aspects of credit and collection management and other related fields.

Credit Information Services Committee is responsible for providing members with credit information services necessary to facilitate credit evaluation and decision making.

Industry Group Committee is responsible for fostering closer cooperation among members by grouping them according to industry or line of business through industry group meeting where members exchange credit and collection experiences and ideas, discuss and resolve problems peculiar to their respective industry and facilitate exchange of credit and collection information on common customers or accounts.

Membership Committee

is responsible for recruiting and sustaining

membership, processing and evaluating membership applications and establishing and maintaining linkages with other credit associations.

o Credit Congress Committee is responsible for the holding of the Credit Congress which is the
o Credit Congress Committee is responsible for the holding of the Credit Congress which is the
o Credit Congress Committee is responsible for the holding of the Credit Congress which is the
o Credit Congress Committee is responsible for the holding of the Credit Congress which is the
o Credit Congress Committee is responsible for the holding of the Credit Congress which is the

o Credit Congress Committee is responsible for the holding of the Credit Congress which is the culminating activity of the Association for fiscal year and its participation in the yearly celebration of the "National Credit Consciousness Week".

Programs and Sports & Fellowship Committee is responsible for the holding of regular memberschip meetings of the Association and promoting physical fitness, fostering camaraderie and fellowship among members through sports activities.

Legal and Ethics Committee

is responsible for handling all legal

matters and issues involving CMAP.

Social Involvement Committee responsible for the outreach Program of the Association.

Finance Committee is responsible in the preparation of Annual Budget and overseeing the financial condition of CMAP.

Services 1. Listing of Court Cases is a compilation of court cases filed in the different
Services 1. Listing of Court Cases is a compilation of court cases filed in the different
Services 1. Listing of Court Cases is a compilation of court cases filed in the different
Services 1. Listing of Court Cases is a compilation of court cases filed in the different
Services 1. Listing of Court Cases is a compilation of court cases filed in the different

Services

1. Listing of Court Cases is a compilation of court cases filed in the different courts of Metro Manila, Batangas, Cavite, Laguna, Cebu, Davao and almost all key cities in the Philippines on the following categories:

  • a. Batas Pambansa # 22

  • b. Estafa

  • c. Foreclosure

  • d. Illegal Recruitment

  • e. Ejectment

  • f. Falsification of Public Document

  • g. Replevin

  • h. Sum of Money

  • i. Unlawful Detainer

j. Swindling

  • k. Attachment

  • L. Other Deceits

2. Listing of Returned Checks is a compilation of clients who issued check(s) which was/we dishonored
2. Listing of Returned Checks is a compilation of clients who issued check(s) which was/we dishonored
2. Listing of Returned Checks is a compilation of clients who issued check(s) which was/we dishonored
2. Listing of Returned Checks is a compilation of clients who issued check(s) which was/we dishonored
  • 2. Listing of Returned Checks is a compilation of clients who issued check(s) which was/we dishonored by the drawee bank submitted by CMAP's members.

2. Listing of Returned Checks is a compilation of clients who issued check(s) which was/we dishonored
  • 3. Listing of Accounts Endorsed to Lawyers is a compilation of accounts endorsed to legal submitted by the members of CMAP.

  • 4. Listing of Past Due Accounts from telecommunication companies.

  • 5. Listing of Past Due Accounts from manufacturing companies.

Activities

Activities General membership meetings Held Quarterly with invited Guest Speaker to talk on topic of current
Activities General membership meetings Held Quarterly with invited Guest Speaker to talk on topic of current
Activities General membership meetings Held Quarterly with invited Guest Speaker to talk on topic of current
Activities General membership meetings Held Quarterly with invited Guest Speaker to talk on topic of current
Activities General membership meetings Held Quarterly with invited Guest Speaker to talk on topic of current

General membership meetings

Held Quarterly with invited Guest Speaker to talk on topic of current national importance and common interest to the general membership.

Committee meetings

Held when necessary for the preparation of projects and activities to be undertaken by the committee.

Seminars/Workshop

Conducts the following staple seminars/workshop

Property Appraisal Credit Investigation Financial Analysis Credit Analysis, Evaluation & Scoring Forgery Detection & Fraud Prevention Dynamics of Credit Transaction Documentation Small Money Claims/Symposium on Income Tax Update Collection Strategies & Technique Skip Tracing, Property Search & Land Title Verification Legal Aspect of Credit & Collection Collection in Crisis Seminar Account Management Seminar

Sports and fellowship activities Sponsors the following sports & fellowship activities:    Bowling
Sports and fellowship activities Sponsors the following sports & fellowship activities:    Bowling
Sports and fellowship activities Sponsors the following sports & fellowship activities:    Bowling
Sports and fellowship activities Sponsors the following sports & fellowship activities:    Bowling
  • Sports and fellowship activities Sponsors the following sports & fellowship activities:

Sports and fellowship activities Sponsors the following sports & fellowship activities:    Bowling

Bowling Tournament Badminton Tournament Christmas Bingo Social

Fun Run

  • National Credit Congress

This

is

the

culminating

activity

and

the

association’s

participation in the yearly celebration of “National Credit Consciousness Week” held every April 24-30.

Membership Fee:

Membership Fee: Annual Fee of Php7,000.00 * One-time entrance fee of Php2,000.00 * Annual membership fee
Membership Fee: Annual Fee of Php7,000.00 * One-time entrance fee of Php2,000.00 * Annual membership fee

Annual Fee of Php7,000.00 *

One-time entrance fee of Php2,000.00

Membership Fee: Annual Fee of Php7,000.00 * One-time entrance fee of Php2,000.00 * Annual membership fee

* Annual membership fee entitles member to:

-

Membership Fee: Annual Fee of Php7,000.00 * One-time entrance fee of Php2,000.00 * Annual membership fee
Membership Fee: Annual Fee of Php7,000.00 * One-time entrance fee of Php2,000.00 * Annual membership fee
Membership Fee: Annual Fee of Php7,000.00 * One-time entrance fee of Php2,000.00 * Annual membership fee

10 account inquiries per month and in

excess, a Php10.00 per account will be charge

CMAP SECRETARIAT Juanito R. Banzuelo Judy M. Tagle Virginia G. Magpulong Manager Accountant Clerk Maria Ellen
CMAP SECRETARIAT
Juanito R. Banzuelo
Judy M. Tagle
Virginia G. Magpulong
Manager
Accountant
Clerk
Maria Ellen A. Anacito
Vernon C. Arguelles
Eduardo G. Baston
Collection Assistant
Laiason Officer
Messenger/Collector
GUIDELINES ON THE TREATMENT OF CMAP NEGATIVE DATA 1. The Court Case, Returned Checks, Account a
GUIDELINES ON THE TREATMENT OF CMAP NEGATIVE DATA 1. The Court Case, Returned Checks, Account a
GUIDELINES ON THE TREATMENT OF CMAP NEGATIVE DATA 1. The Court Case, Returned Checks, Account a
GUIDELINES ON THE TREATMENT OF CMAP NEGATIVE DATA 1. The Court Case, Returned Checks, Account a
GUIDELINES ON THE TREATMENT OF CMAP NEGATIVE DATA 1. The Court Case, Returned Checks, Account a

GUIDELINES ON THE TREATMENT OF CMAP NEGATIVE DATA

1. The Court Case, Returned Checks, Account a Referred to Lawyers and the Negative Data from the Telecom Companies merely provide lead

information; they are accounts.

not

to

be interpreted as

a

“BLACK LISTING” of

  • 2. The information is given with “STRICT CONFIDENCE” and without any responsibility on the part of CMAP. The extension of credit or any decision is determined in accordance with your own evaluation and judgment.

  • 3. The Court Case Data Files is a SERVICE provided by the Association to the members and gathered with good faith without liability for possible errors with procuring, collecting and communicating the information gathered.

4.

The

law

prohibits

application.

DISCLOSURE of any information related to loan

The

GUIDELINES ON THE DISCLOSURE OF INFORMATION

The GUIDELINES ON THE DISCLOSURE OF INFORMATION identity of of the source information deserves the same

identity

of

The GUIDELINES ON THE DISCLOSURE OF INFORMATION identity of of the source information deserves the same
The GUIDELINES ON THE DISCLOSURE OF INFORMATION identity of of the source information deserves the same

of

the

The GUIDELINES ON THE DISCLOSURE OF INFORMATION identity of of the source information deserves the same
The GUIDELINES ON THE DISCLOSURE OF INFORMATION identity of of the source information deserves the same

source

information deserves the same

confidence as the information itself and should not be revealed to

anyone including the subject inquiry. Violations of the principle of confidentiality will be ground for the following appropriate actions:

  • 1. Warning Memo – first offense

  • 2. Monetary Penalty of Php5,000 per disclosure – second offense

  • 3. Revocation of right to inquire from the data base – third offense

  • 4. Disaffiliation from the Association – fourth offense

GUIDELINES ON UPDATING AND DELETION OF DATA Should the complainant be able to present verifiable evidence
GUIDELINES ON UPDATING AND DELETION OF DATA Should the complainant be able to present verifiable evidence
GUIDELINES ON UPDATING AND DELETION OF DATA Should the complainant be able to present verifiable evidence
GUIDELINES ON UPDATING AND DELETION OF DATA Should the complainant be able to present verifiable evidence

GUIDELINES ON UPDATING AND DELETION OF DATA

GUIDELINES ON UPDATING AND DELETION OF DATA Should the complainant be able to present verifiable evidence

Should

the

complainant

be

able

to

present

verifiable

evidence that

his/her

court

case

has

been

dismissed/settled/withdrawn and the CMAP Secretariat has

verified

it

with

the court, the following guidelines must be

observed:

1. De-list name from central database.

2. Route via email or hand carried the list of the deleted name and members must do the same accordingly, and

3. CMAP has no responsibility if member fails to update their own data base.

REMINDERS  CMAP Negative Data Files merely provide lead information and not a “blacklisting of accounts.
REMINDERS  CMAP Negative Data Files merely provide lead information and not a “blacklisting of accounts.
REMINDERS  CMAP Negative Data Files merely provide lead information and not a “blacklisting of accounts.
REMINDERS  CMAP Negative Data Files merely provide lead information and not a “blacklisting of accounts.
REMINDERS  CMAP Negative Data Files merely provide lead information and not a “blacklisting of accounts.

REMINDERS

CMAP Negative Data Files merely provide lead information and not a “blacklisting of accounts.

It is gathered in good faith and provided by the Association as a service to its members. Accuracy of this listing is not guaranteed so members are requested to conduct actual verification on the status, history nature of the case and the identity of the applicants especially if it is a common name.

It does not constitute a recommendation or opinion in any manner by the association. The extension of credit or any decision is determined by the individual member in accordance with their own evaluation and judgment.

The information is given in strict confidence. The law prohibit disclosure of any information relative to loan application. The identity of the source of information deserves the same confidence as the information itself.

SUGGESTION FOR DISAPPROVAL “SORRY BUT YOU /YOUR COMPANY DID NOT PASS OUR CREDIT STANDARDS” And for
SUGGESTION FOR DISAPPROVAL “SORRY BUT YOU /YOUR COMPANY DID NOT PASS OUR CREDIT STANDARDS” And for

SUGGESTION FOR DISAPPROVAL

SUGGESTION FOR DISAPPROVAL “SORRY BUT YOU /YOUR COMPANY DID NOT PASS OUR CREDIT STANDARDS” And for
SUGGESTION FOR DISAPPROVAL “SORRY BUT YOU /YOUR COMPANY DID NOT PASS OUR CREDIT STANDARDS” And for
SUGGESTION FOR DISAPPROVAL “SORRY BUT YOU /YOUR COMPANY DID NOT PASS OUR CREDIT STANDARDS” And for

“SORRY BUT YOU /YOUR COMPANY DID NOT PASS OUR CREDIT STANDARDS” And for other industries, you may add “MAY WE SUGGEST YOU TRY DEALING IN CASH FOR THE MEANTIME”

Room 401 Cattleya Condominium #235 Salcedo Street, Legaspi Village, Makati City P.O. Box 2693 MCPO, Makati

Room 401 Cattleya Condominium #235 Salcedo Street, Legaspi Village, Makati City P.O. Box 2693 MCPO, Makati
Room 401 Cattleya Condominium #235 Salcedo Street, Legaspi Village, Makati City P.O. Box 2693 MCPO, Makati
Room 401 Cattleya Condominium #235 Salcedo Street, Legaspi Village, Makati City P.O. Box 2693 MCPO, Makati
Room 401 Cattleya Condominium #235 Salcedo Street, Legaspi Village, Makati City P.O. Box 2693 MCPO, Makati
Room 401 Cattleya Condominium #235 Salcedo Street, Legaspi Village, Makati City P.O. Box 2693 MCPO, Makati

Tel. Nos.: (632) 818-2372 / 817-8386 Fax Nos.: (632) 812-9880 / 892-9102

Room 401 Cattleya Condominium #235 Salcedo Street, Legaspi Village, Makati City P.O. Box 2693 MCPO, Makati

E-mail Address: cmaphil@pldtdsl.net

Website: www.cmaphil.com