CAPÍTULO I: EL PROBLEMA Y EL PROPÓSITO
2.5 Perfil del Puesto de Trabajo
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Internal Controls The business has excellent internal control tools that are used effectively on a daily basis. Permit adequate return on assets protection of its capital.
The business has internal control tools that are used on a daily basis. Business has few operational risks and has adequate risk management policy.
The business has some internal control tools that management does not use very efficiently. Business has moderate operational risks and an adequate risk management policy.
The business has a weak internal control structure that management does not use. Business is vulnerable to operational risks and does not have an adequate risk management policy.
The business does not have internal control tools. The business is very vulnerable to operational risks and does not have an adequate risk management policy.
Insurance Policies The business has excellent insurance policies with recognized insurers. High degree of coverage.
The business has good insurance policies and a good level of coverage.
The business has average insurance policies and an average level of coverage.
The business has insurance policies with insurance companies that are unknown or of questionable reputation. Low level of coverage.
Business does not have insurance policies
Legal Status of the Business 1 2 3 4 5
Legal Status of the Business There are no legal actions
pending against the business. Complies with all current legislation and pays taxes in a satisfactory manner.
There are no legal actions pending against the business. The business appears to comply with all current legislation and appears to pay taxes in a satisfactory manner.
The business appears to pay its taxes in a relatively adequate manner..
The legal status of the business presupposes a high risk level.
The legal status of the business presupposes a maximum risk level.
Functioning of the Business Legally registered business
operating more than 5 years.
Legally registered business operating more than 3 years.
Business in personal name with more than 7 years of operating experience in the market.
Business in personal name with less than 7 years of operating experience in the market, but more than 2 years.
Business in personal name with less than 2 years of operating experience in the market.
Client Relationship with Bank 1 2 3 4 5
Client Relationship with Bank
Clients with more than 10 years experience with the institution. Excellent reciprocity. High degree of transparency in the business and accessibility to information and management.
Clients with more than 5 years experience with the institution. Good reciprocity. Good credit history. Good transparency in the business and accessibility to information and management.
Clients with more than 3 years experience with the institution. Limited movement of funds in deposit accounts. Average transparency in the business and accessibility to information and management.
Clients not very well known. Limited movement of funds in deposit accounts or frequent overdrafts. Very little transparency in the business and lack of accessibility to information and management.
New client or client with poor credit experience in other institutions. Lacks transparency in the business and accessibility to information and management.
Financial Statements 1 2 3 4 5
Financial Statements Financial statements audited by independent firms with an adequate level of detail to permit financial analysis
Reviewed financial statements with an adequate level of detail to permit financial analysis
Reviewed financial statements without an adequate level of detail. Limited access to additional information from the client.
Internal financial statements with general information only. Limited access to additional information from the client.
Unreliable internal financial statements.
Auditors Opinion No observations or exceptions noted.
Observations noted, but do not compromise business operations.
Observations noted. Some doubts regarding the financial situation.
Observations noted that put into doubt the business' operations and financial situation.
Very unfavorable opinion of the auditors.
Credit Experience 1 2 3 4 5
Payment History The client always meets its financial obligations. Demonstrates willingness to comply with all commitments. Has never paid late.
On rare occasion, the client has paid late, but less than 30 days. Generally, clients payment history is very good.
The client has never had serious delinquency or client does not have sufficient previous experience.
The client has had delinquency in excess of 60 days.
Client has had numerous late payments and demonstrates little willingness to comply with its financial obligations (i.e. >3 payments with delinquency in excess of 90 days.).
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APPENDIX III: INTERVIEWS
Tanzania
Akiba Commercial Bank Meltus Rwasa Microfinance Manager
Azania Bancorp Limited Godwin Seiya Senior Credit Analysis Officer
CRDB Bank Anderson Y.L. Mlabwa Director of Credit
Eurafrican Bank Juma Kisaame Managing Director
Exim Bank Lupiana Michael Credit Manager
National Bank of Commerce Peter Kingu Business Banker
National Microfinance Bank
Stanbic Bank Ramadhani Saidi Manager, Vehicle & Asset
Finance
Respige Kimati Manager, Vehicle & Asset Finance
Standard Chartered Heri Bomani Executive Director, Consumer
Banking Division Tanzania Investment Bank Mr. Matembele Small Loans, In Charge
MR. Njau Corporate Loans, In Charge
Kenya
Barclays Bank Godfrey Wasike SME Banking Department
Morris Muthama SME Banking Department
Edith Muhindi SME Banking Department
Cooperative Bank of Kenya Charles Ndegwa Head Corporate & Institutional Recoveries Unit
Sam Birech Chief Manager, Personal & Business Banking
Equity Bank Mbaabu Muchiri Head of Credit
Fina Bank Natalya Klimova Shorebank Advisory Services,
SME Consultant
Edwin Induli Account Relationship Manager
Susan Situma SME Relationship Officer
Giro Commercial Bank R.B. Singh Managing Director
NIC Bank Peter Mule Makau Senior Relationship Manager,
Corporate Banking
Stanbic Peter Mathenge Relationship Officer, Corporate
Banking
Standard Chartered Anthony Mburu Regional Head, SME Credit Risk
IFC Imtiaz Khan Investment Officer
Romania
Banca Comerciala Romana Alina Gabriela Jiletcovici Area Manager, Bank Relations Department
Petre TOBOC Evaluation Director
Oana Miruna Papugiu Credit Director
Banca Transilvania Fady Chreih Regional Sales Manager, SME
Unit
Banca Românească Monica Grigoriu Head, Legal Division
ProCredit Bank Horaţiu Duţeanu Head, Credit Risk Unit
Laura Oana Furdui Head, Legal & Compliance Department
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Bosnia and Herzegovina
HVB Central Profit Banka Amer Basic Restructuring and Workout
Department Relationship Manager
UniCredit Zagrebačka banka Dženamir Abaza Deputy CEO
Raiffeisen Bank Anis Aganoviz Head of Risk Management
Banking Agency Zlatko Bars
LRC Kreditini Senada Havic Manager
USAID FILE Project Patrick Wujcik Chief of Party
Mihridžana Muratbegović Collateral Law Specialist USA
National City Credit
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