Craig Feinberg PO Box 1906 Park City, Utah 84060-1906 435-940-1060 and 435-513-5171 firstname.lastname@example.org Qualifications Summary Over 17 years of international microfinance and small business development experience. Initiated, developed and managed complex multi-donor nationwide microfinance sector development project in Sierra Leone. Designed, developed and managed two micro credit programs. Served as a long term resident technical advisor for three microfinance institutions, two non-bank financial institutions and one commercial bank. Extensive experience with rural and urban individual and group lending methodologies; small medium enterprise lending; product design; training and technical assistance; market research and writing policy and procedure manuals, reports and proposals. Five years of domestic sales and marketing. Fluent Spanish, intermediate Russian, basic Portuguese. Experience Rwanda ShoreBank International, Resident Advisor to Fina Bank September 16, 2009 – July 1, 2011 Provide training and technical assistance to the Fina Bank Micro, Small and Medium Enterprise department on providing loans from $1,700 - $50,400. Recommended and implemented institutional changes in initial interview and site visit procedures and forms; verifying applicant information, determining loan amounts and installments, collateral assessment, monitoring and delinquency management. Mentor credit management and staff. Disbursements of 56 term loans with an outstanding portfolio of $1.3 million under implemented methodology through March 2011. Portfolio at Risk 30 days 1.6 per cent. Disbursements of 41 loans, leases, overdrafts and lines of credit with an outstanding portfolio of $1.5 million with 100 per cent repayment rate. Introduced and implemented credit committee procedures to review loan applications. Designed and conducted training sessions for 25 credit and senior management staff on applicant screening, site visit procedures, balance sheets, profit/loss statements, cash flow projections, ratio analysis, verifying information, collateral assessment and monitoring. Conducted delinquency management training for 48 lending, credit administration, legal and recovery staff. Conducted process mapping training to analyze loan approval process, increase efficiency and reduce turn-around time. Wrote policies and procedures for loans for tenders. Revised credit risk loan analysis template. Trained and mentored risk analysts on identifying credit risks associated with loan purpose, credit history, client character, management, business sector, loan security and financial statements. Analyzed and documented all procedures for automatic loan processing system. Ethiopia, Ghana, AYANI Consulting, Microcredit Consultant August 25 - September 11, 2009 Zambia, Malawi Assessment of microfinance technical service providers and trainers for inclusion in the Social Microfinance Facility database. The Gambia ShoreCap Exchange through Enterprising Solutions Global January 2008 – July 2009 Consulting, Lead Credit Consultant to Reliance Financial Services Recommended and implemented institutional changes in initial interview and site visit procedures and forms; verifying applicant information, determining loan amounts and installments, collateral assessment, credit committee procedures, monitoring and delinquency management. Designed and conducted training sessions for 25 loan and senior management staff on applicant screening, site visit procedures, balance sheets, profit/loss statements, cash flow projections, ratio analysis, verifying information, collateral assessment, monitoring and delinquency management. Trained trainers to conduct subsequent trainings. Wrote loan officer field manual and training manual on client financial analysis. Designed and developed policies and procedures manual for a $75 - $250 Individual Express Loan. Trained management and staff on implementation. Trained trainers to conduct subsequent trainings. Managed piloting and expansion phase. Designed and implemented staff incentive systems. USA United Nations Capital Development Fund, Microcredit Consultant March 20 – May 15, 2009 Recommended microfinance investments and conditions. Reviewed, analyzed and scored 14 business plans from financial service providers applying for funding from the Savings Lead Market Leaders for Building Inclusive Financial Sectors (MicroLead). Sierra Leone Enterprising Solutions Global Consulting, Director July 2004 – December 2007 Established and managed the Microfinance Investment and Technical Assistance Facility (MITAF), a $9.3 million program to build Sierra Leone’s microfinance sector. Raised additional $15 million for the microfinance sector through commercial capital, donor funding and bank deposit mobilization. Assessed and recommended five microfinance institutions (MFIs), four rural community banks, one microfinance commercial bank and one international implementer of village savings and loan associations for grant and loan funding. Presented financial analysis and performance assessment to Investment Committee members. Set performance conditions and monitored performance. Designed investment risk scoring system and implemented due diligence of microfinance institutions. Wrote Investment Committee manual. Over $3.3 million in grants and $1.2 million in loans approved. Sector grew from 20,140 clients at the initial period of funding disbursals to 57,122 clients by December 2007. Operational sustainability of partner institutions increased from zero to six institutions. Five MFIs developed governance structures, underwent external audits and reported to an external reporting forum. Outstanding portfolio increased from $1.2 million to $8 million. From zero to nine partners trained and capable of submitting financial statements. Identified training and technical assistance needs of MFIs and the Banking Supervision Department of the Central Bank. Coordinated appraisal, training and technical assistance missions with international consultants. Devised scoring rating system and criteria for choosing one of five international bidders to enter local market. Resulted in July 2007 opening of international microfinance commercial bank, ProCredit Bank Sierra Leone. Designed and conducted delinquency management, business planning, governance, introducing individual lending and client financial analysis training. Designed group loan training and conducted training of trainers. Coordinated trainings on human resource management, internal controls, due diligence, external auditing, accounting, financial analysis, management information systems and regulation and supervision. Provided technical assistance to funding recipients. Designed reporting format and procedures for funding recipients. Established partnership with governmental microfinance training and technical assistance institution. Developed microfinance network. Coordinated legal workshop on regulation and supervision. Liaise with the central bank, government ministries and civil society. Wrote donor reports, fundraised and coordinated funding disbursals based on performance. Hired, trained and supervised international and local staff. Recruited and managed six experienced long term technical advisors. Mozambique Mennonite Economic Development Associates (MEDA), Microcredit May 19 - June 16, 2004 Consultant Conducted viability study of merger between MEDA and Save the Children’s microcredit programs to one locally registered program. Analyzed and compared each institution’s mission, legal status, capital resources, compatibility of loan products, geographical coverage, human resources, operational cost structure, market segment, portfolio indicators, financial statements, MIS, accounting capabilities, and strengths, weaknesses, opportunities and threats. Provided guidance and recommendations on executing the merger. Guatemala Save the Children, Microcredit Consultant March 15 - 31, 2004 Served as Team Leader to conduct feasibility study of merging Save the Children’s microfinance program with one of five institutions for forming an independent local institution. Scrutinized each institution’s mission, compatibility of loan products, expansion strategy, cost structure, market, capital, portfolio, MIS, management and personnel resources. Analyzed strengths, weaknesses, opportunities and threats of each of the institutions, advantages and disadvantages of merging with the respective institutions, merger conditions and potential risks. Made recommendations on merger and subsequent action. Palestine Save the Children, Microcredit Consultant February 27 – March 10, 2004 Assessed obstacles of reaching donor targets for FATEN, Palestine for Credit & Development. Devised strategy for donor relations, revised targets, efficiency and productivity targets and establishing an internal audit unit. Presented recommendations on use of group loan officers for individual loan products, flexible repayment schedules and donor reports. Nepal Save the Children, Microfinance Technical Advisor January 2003 – February 2004 Provided technical assistance to Nirdhan Utthan Bank Limited. Oversaw program objectives of increasing active clients from 35,400 to 50,150; opening eight new branches; introducing new savings and loan methodology for under-served rural hill region; introducing more flexible micro-insurance, savings, and loan products in existing rural branches. Designed system and wrote manual for client monitoring. Designed incentive system with senior management. Wrote research and development manual for product design in rural hill regions. Conducted market research in hill region. Designed market research system for product modifications of existing savings and loan products. Wrote manual for new group loan product targeting clients in semi-urban areas. Wrote loan write-off policy and procedures. Wrote proposal that secured funding to provide innovative savings and credit services to former bonded laborers. Assessed individual loan program and trained senior management on revised methods of client screening, initial interviews, site visits, credit committee, credit manager approval and client monitoring. Revised business plan. China United Nations Development Programme, Microcredit Consultant November 30 - December 22, 2002 Team Leader of 10 staff members for rural “Sustainable Microfinance to Alleviate Poverty” product development assignment. Created marketing, active and former client surveys and database. Conducted surveys, analyzed data and designed new group and individual loan products. Recommended improvements on methodology, group sizes, repayment frequency, loan terms, credit rating, penalties and program systems for existing rural farmer group loan product. Wrote manual for new group loan product. Conducting training on management structure, group formation, loan processing, credit rating, internal controls, loan disbursals, loan repayments and monitoring. Conducted delinquency management training. Mozambique Save the Children, Microcredit Consultant October 27 - November 25, 2002 Assessed program stagnation, financial control system and general procedures. Pinpointed deficiencies, made concrete recommendations and documented the need to increase loan sizes, simplify loan approval process, modify incentive scheme, and decrease loan staff attrition rate. Introduced client marketing scheme, credit rating system and client audit. Trained senior management on use of client exit interview, client audit and financial ratios. Wrote reporting and monitoring manual. Save the Children, Regional Microcredit Technical Advisor April 2001 – October 2002 Provided technical assistance to microfinance institutions in Armenia, Georgia and Azerbaijan. MDF Kamurj in Armenia disburses group loans from $50 - $950; over 6,000 total clients; outstanding portfolio $1,140,000. Constanta Foundation in Georgia disburses group loans from $50 - $1,000, individual loans from $1,000 - $3,000; over 14,000 total clients; outstanding portfolio $1,600,000. Save the Children Azerbaijan disburses group loans from $100 - $300 and individual loans from $300 - $2,000 to 1,500 rural based refugees; outstanding portfolio $145,000. Armenia Completed financial projections utilizing Microfin software. Wrote donor reports and proposal that secured loan capital funding. Reviewed and modified loan policies and procedures. Completed operations manual on field operations, reporting, monitoring, administration and finance. Revised business plan. Developed board of directors. Designed and conducted loan officer training seminars on analyzing businesses for larger loans through balance sheets and profit loss statements, delinquency control, microfinance principles, best practices and interest rate calculations. Designed credit rating system for groups, marketing program for client recruitment, and client transfer, monitoring and loan write-off policy. Restructured mid-level management. Republic of Reviewed policies and procedures of individual loan program. Georgia Recommended changes in loan application, initial interview and site visit procedures and forms; verifying applicant information, determining loan amounts, collateral assessment, loan monitoring and credit committee procedures. Designed and conducted credit committee training seminars on analyzing balance sheets, profit/loss statements and financial ratios. Azerbaijan Developed and supervised loan portfolio recovery strategy and staff development procedures. Pinpointed deficiencies, made recommendations and trained senior staff on group formation, financial and staff reports, loan repayment and disbursal accountability, verifying applicant information and monitoring. Recommendations resulted in repayment rate increase from 68% to 99%. Reviewed policies and procedures of individual loan program. Modified overall procedures of financial assessments, verifying applicant information, underwriting loans, determining loan amounts, collateral assessment, forms and loan monitoring. Designed and conducted loan officer, credit committee and senior staff training seminars for individual loan candidate screening, balance sheets, and profit/loss statement analysis, verifying information, monitoring and program procedures. Wrote group and individual loan policies and procedures manuals. Wrote program extension proposal that was approved. Recruited and supervised training consultant and expatriate technical advisor. Trained technical advisor on financial projections utilizing Microfin software. Moldova Booz-Allen & Hamilton, Microcredit Consultant August 2000 - December 2000 Created policies and procedures training manual for rural Savings and Credit Associations’ board members and business plan preparation instruction manual for loan applicants. Program disbursed individual loans from $400 to $3,600 to farmers for land purchases. Designed loan monitoring, subsequent loan, board member eligibility and arrears policy. Kyrgyzstan Mercy Corps International, Small and Medium Enterprise Program June 1998 - August 2000 Manager Developed and managed individual loan program for $500 to $25,000 loans. First monthly profit made after five months of lending and eight months of operation. Broke even in September 1999. All operational expenses plus profit returned to donor. Established loan disbursal and payment system with local banks. Designed client credit rating procedure and loan officer incentive system. Made loan decisions with credit committee, monitored arrears, managed budget, portfolio and all operations. Disbursed 1,041 loans totaling $4,707,754. Average active clients 404, loan size $4,510 and outstanding principal $1,255,750. Designed loan officer training seminars on program marketing, candidate screening, balance sheets, profit/loss and cash flow statements, verifying information, market analysis, collateral assessment and payment monitoring. Supervised 12 loan officers, five lawyers, three office managers, and a management information systems officer in three offices. Turkmenistan Mercy Corps International, Trainer/Advisor March 2000 Trained loan officers on communication, marketing, candidate screening, subjective analysis, balance sheets, profit/loss statements, verifying information, credit committee and collateral assessment. Consulted on budget, banking partnership and loan processing forms. Republic of International Rescue Committee, Microcredit Program Manager April 1996 - May 1998 Georgia Designed, developed and managed individual loan program for refugee businesses. Designed training program, devised criteria for loan selection, repayment schedule and monitoring. Established participant criteria, interest rate and program infrastructure. Disbursed 96 high-risk loans averaging $1,200. Repayment rate 94%. Designed, developed and managed group-lending program. Established participant criteria, savings plan, interest rate, repayment schedule and program infrastructure. Created Loan Officer Training Manual. Fifty-six credit groups formed with 448 borrowers. Repayment rate 100%. Implemented partnership with local non-governmental organization (NGO). Secured funding to establish small business training, consulting and resource center and to transfer loan portfolio to NGO through capacity building. Advised in the areas of training, credit management, providing business proposal assistance to seminar participants, consulting with business owners and proposal writing. Conducted business planning and business proposal writing training seminars for over 60 prospective business owners. Transferred responsibilities to local NGO. Over 300 participants trained in marketing, pricing, cost analysis, cash flow projections and calculating break-even point. Reviewed business proposals and consulted with participants. Provided technical assistance to clients in marketing, management and maintaining cash flow and profit/loss statements. Supervised loan monitoring, training, consulting and translating staff. Republic of Save the Children, Small Business Trainer/Consultant February 1997 Georgia Designed and conducted business proposal writing training seminars for local NGO capacity building project. Reviewed business proposals, identified weaknesses and consulted with funding candidates. Guatemala FINCA/Guatemala, Project Manager May 1995 - February 1996 Designed and managed handicraft export project with 16 rural credit groups and over 300 borrowers/handicraft producers. Designed and computerized management information system for sales by item and customer, order distribution, product delivery to central office, inventory management, accounting and customer shipping. Trained producers on organizational development, quality control, price calculations, product development and marketing. Developed and priced over 75 variations of 13 products. Produced catalog and promotional materials. Evaluated 18 credit groups on delinquency rate, loan administration, training and attendance. Guatemala CONCERN/America, Project Coordinator February - May 1995 Collectively managed handicraft export project. Developed marketing plan for new products. Processed orders, sales, expenses, inventory and accounting. Designed and conducted client communication, marketing and catalog production course for producers. Trained three cooperatives on inventory management, product development and price calculations. Washington DevTech Systems Inc., Research Analyst November 1994 - January 1995 D.C. Reviewed and analyzed grant data for 400 Department of Education Bilingual education programs. Costa Rica Putney Student Travel, Team Leader Summer 1994 Managed budget for program activities and accommodations for 17 North American students. Uruguay Peace Corps, Small Business Advisor June 1992 - June 1993 Provided technical assistance to loan applicants. Defined problems and developed solutions with delinquent clients. Trained over 20 business owners in accounting, marketing, quality control, cash management and pricing. Conducted marketing course for 23 business owners. Costa Rica Peace Corps, Small Business Advisor June 1990 - May 1992 Organized a women’s small business group; secured funding, established client base, accounting and pricing system, pay scale and marketing plan. Executed feasibility study for funding of family business. Coordinated construction, acquisition of donations and fund-raising for community playground. Trained 45 Peace Corps volunteers in integrated rural development, leadership building and communication. Coordinated community fund-raiser with local sports committee. Colorado Arbor Fence Company, Sales Representative 1989 - 1990 Promoted and sold product and service. Increased sales 30% over previous year. Colorado Barnes Business College, Sales Representative 1987 - 1989 Recruited and interviewed prospective students for enrollment. Trained new sales representatives in interviewing and telemarketing techniques. Attained highest sales records for high school market in 1988 and 1989. Counseled students with school and external problems. Kentucky Horsemen's Track and Equipment, Sales Representative 1985 - 1987 Obtained new clientele, acquired new suppliers and sold equipment. Handled logistics, translations and sales in Latin America in July 1993. Colorado Vail Associates, Customer Service 1983 - 1985 Sold and distributed food to ski industry customers. Education and Training Washington Business Planning and Financial Modeling for Microfinance Institutions April 2001 D.C. training course. Vermont School for International Training 1993 - 1994 Master’s in International and Intercultural Management, major in training Thesis presented 1997 and sustainable development. Costa Rica Peace Corps Summer 1990 Spanish, cross cultural adaptation and micro-enterprise development training. Kentucky University of Kentucky 1979 - 1983 Bachelor of Arts in Business Administration. Member of American Marketing Association and Sigma Chi fraternity.
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