lending manual implementation implementation stages and smartsheet usage july 13, 2012
TRANSCRIPT
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
Smartsheet.com
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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