Lending Manual ImplementationImplementation Stages and Smartsheet usage

July 13, 2012

Background

• Based on Azerbaijan Lending Manual and other documents from Eurasia

• Reviewed and edited by team made up of regional COOs, Internal Control, and HUB staff

• Includes all relevant credit department policies and procedures

• Serves as a regional template, to be adjusted to fit each countries needs – adjustments will be approved by HUB before implementation

Subsidiary Implementation

HUB will provide: - CDM Template – English Versions – by August 30th - CDM Template – Spanish Version/ French – TBD - Attachments – English Versions – by August 30th

Subsidiaries will develop and administer in Smartsheet: - Sub CDM – English Version with track changes - Attachments in Spanish or French ( no need to adjust the

engl. Version) - CDM –in English & attachments must be Hub approved

before BOD

Implementation Process

Training and Implementation in Q1 2013

Level 3: Follow-up Training and complianceFollow training for all Credit

Department employeesWritten tests on knowledge and understanding of CDM

Internal Control compliance review and report

Level 2: Region-wide implementation of all remaining Policies and ProceduresSubsidiary proposal for HUB

30 January 2013

Manual to BOD:

30 March 2012 Training

April 2013Implementation 30

May 13

Level 1 - Region-wide implementation of Key Lending Policies and Procedures Subsidiary proposal for HUB 15

October 2012Manual to BOD:

30 November 2012Implementation

1 February 2013Training

January 2013

Implementation Level Details

• During Level 1 Implementation:

Each 1st Level chapter must be adjusted and implemented in full, no parts or attachments can be left out for later review.

Content of 2nd Level chapters can be marked as “TBD”.

Overall document structure and the headlines must remain unchanged in numbering and naming.

• During Level 2 Implementation:

Remaining parts must be adjusted to Subsidiary needs

Specific chapters or subparts can be left out or shorten based in Hub approval.

Level 1 – Region-wide implementation of Key Lending Policies

• Chapter 102 – Credit Department• Chapter 103 – Client Eligibility• Chapter 104 – Client Rights and Responsibilities• Chapter 106 – Financial Services Principles & Standards• Chapter 107 – Credit Policies and Procedures

• Chapter 108 – Collaterals

• Chapter 109 – Loan Guarantors

• Chapter 110 – FINCA Credit Committee

• Chapter 119 – Collections Department• Chapter 112 – Loan Disbursement• Chapter 114 – Payment Collection• Chapter 115 – Client Rating System • Chapter 116 – Client Monitoring, Site Visits, and Supervision Policies• Chapter 118 – Management of Loan Accounts in Arrears

Level 2: Region-wide implementation of all remaining Policies and Procedures

• Chapter 105 – Marketing and Product Promotion

• Chapter 111 – MIS

• Chapter 113 – Loan File Administration

• Chapter 117 – Transfer of Client Account Responsibility• Chapter 120 – Credit Staff Variable Compensation• Chapter 121 – Credit Staff Performance Management

• Chapter 122 – Policy Review

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Smartsheet.com – how does it work?

For more information, check out the following links:

• Product tour: http://www.smartsheet.com/product/product-tour-0

• Live online training: http://www.smartsheet.com/webinars

Regional Implementation