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1. Parties: Identifies the Lender, Borrower, and Guarantor with their complete legal names and addresses
2. Background: Sets out the context of the loan and guaranty arrangement, including the purpose of the loan and the Guarantor's relationship to the transaction
3. Definitions and Interpretation: Defines key terms used throughout the agreement and establishes rules for interpreting the document
4. The Loan: Details the principal amount, purpose, and drawdown conditions of the loan
5. Interest and Fees: Specifies interest rate, calculation method, payment periods, and any additional fees or charges
6. Repayment Terms: Sets out the repayment schedule, payment methods, and prepayment provisions
7. Security: Details any security or collateral provided for the loan
8. Guarantor's Obligations: Defines the scope and nature of the guaranty, including the Guarantor's primary obligations
9. Representations and Warranties: Contains statements of fact and assurances from both Borrower and Guarantor
10. Covenants: Lists ongoing obligations of the Borrower and Guarantor during the loan term
11. Events of Default: Defines circumstances constituting default and consequences thereof
12. Enforcement and Remedies: Details the Lender's rights and remedies upon default
13. General Provisions: Contains standard clauses including notices, amendments, governing law, and dispute resolution
1. Insurance Requirements: Required when specific insurance coverage is mandatory for the loan or collateral
2. Additional Guarantors: Used when multiple guarantors are involved in the transaction
3. Cross-Default Provisions: Included when the loan is part of a larger financing arrangement
4. Currency Provisions: Required for loans involving foreign currency or multiple currencies
5. Tax Provisions: Detailed tax clauses needed for large loans or when tax implications are significant
6. Assignment and Transfer: Included when the loan may be transferred or syndicated
7. Electronic Execution: Required when agreement may be executed electronically under Philippine E-Commerce Act
1. Schedule 1 - Loan Details: Contains detailed breakdown of loan amount, interest calculations, and payment schedule
2. Schedule 2 - Drawdown Notice Form: Standard form for requesting loan disbursements
3. Schedule 3 - Repayment Schedule: Amortization table showing payment dates and amounts
4. Schedule 4 - Security Details: Detailed description of any collateral or security provided
5. Schedule 5 - Guarantor Financial Statements: Recent financial statements or net worth statement of the Guarantor
6. Schedule 6 - Conditions Precedent Documents: List of required documents to be provided before loan disbursement
7. Appendix A - Compliance Certificate Form: Template for periodic compliance certification
8. Appendix B - Notice Forms: Standard forms for various notices under the agreement
Banking and Financial Services
Real Estate and Property Development
Manufacturing
Construction
Agriculture
Retail
Technology and Software
Healthcare
Education
Transportation and Logistics
Energy and Utilities
Small and Medium Enterprises
Legal
Finance
Credit and Risk
Compliance
Operations
Treasury
Commercial Banking
Retail Banking
Collections
Underwriting
Chief Financial Officer
Finance Director
Credit Manager
Loan Officer
Risk Manager
Legal Counsel
Compliance Officer
Banking Operations Manager
Account Manager
Treasury Manager
Credit Analyst
Financial Controller
Relationship Manager
Collections Manager
Underwriting Manager
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