Experience

A2F Consulting LLC

• United States
• International Trade and Development
• 1 - 100 Employee

• Principal

  • Oct 2008 - Present

  Advised commercial banking and financial institution on matters relating to their credit business and operations. Reviewed and designed credit policies and processes, conducted and monitored due diligence assessments, and managed credit portfolios of investee companies. As most senior advisor for main investee, PEARL Microfinance Ltd. of Uganda, held full accountability for the commercial lending area. Supervised 2 local A2F consultants and 69 PEARL staff members, including 1 credit manager, 4 regional managers, 14 branch managers, and 50 credit officers. • Led turnaround of credit operations of PEARL. Revamped and grew underperforming loan book into a well-functioning portfolio by overhauling credit policies, analyzing and redesigning credit products, and training credit officers and management on best practices for lending. Reduced Portfolio at Risk (PAR) >1 day from 56% to 8.8% and PAR >30 days from 19% to 3%. • Played key role in the transformation of PEARL from a non-regulated microfinance institution to an institution fully regulated by the Central Bank of Uganda. • Guided a comprehensive turnaround in credit operations and demonstrable improvement in business for EKI, a Bosnian microfinance institution, despite a rapidly deteriorating regional economy and a poorly performing portfolio of loans. Trained regional managers, branch managers, and credit officers on successful implementation of best practices for lending. • Reengineered ineffective lending program of an Albanian company by assessing existing processes, identifying weaknesses, and implementing a simplified lending methodology that improved quality, reduced processing time, and provided unprecedented visibility into areas of operation that were affecting core business.



Microfinance International Corp

• Credit Manager

  • 2007 - 2008

  Managed the institutional credit portfolio, which included directing credit committee and loan decisions. Launched new business credit products, created terms and conditions, reviewed credit policies and MIS reports, and supervised staff of 8 customer service representatives/loan officers, 1 underwriter, and 1 collection officer. • Restructured collections department and revamped poorly performing portfolio, reducing number of loans in arrears from 50% to 30%. Worked proactively with collections officer in all aspects of recovery. • Analyzed banking software performance and worked in collaboration with IT consultant on its re-installation, which enhanced performance and provided a record of data changes moving forward.



ARGENTINA MICROFINANZAS S.A.

• Argentina
• Financial Services
• 1 - 100 Employee

• Credit Manager

  • May 2004 - Sep 2006

  Played key role in the creation and startup of a Greenfield microfinance company, which included conducting prior to commencement of operations and leading the sales effort. Recruited and trained staff of sales, credit, and administrative professionals, built and managed the loan portfolio, developed and implemented credit policy and procedures, and directed the credit committee. Developed and controlled commercial and liquidity budgets and supervised team of 10 credit officers. • Developed a very high-quality loan portfolio, in a country where microfinance had little acceptance, which consisted of 2,000+ clients with PAR> 1 day of less than 1%. • Led the successful introduction of cash-flow-based individual lending, which included building a team of highly trained credit analysts. • Collaborated with IT team in developing in-house credit software for successfully managing accrued interest, payments due, and payments received.



ProCredit Bank Ecuador

• Quito, Ecuador

• Branch Manager

  • 2002 - 2004

  Recruited to manage the main branch in Ecuador based on successful project performance at IPC. Led and directed a 32-member staff, including 22 loan officers and 2 savings officers. Personally trained credit officers in conducting credit and financial analyses in order to maintain the highest quality credit standards. • Consistently met or exceeded branch goals for number of accounts and quality of loans; built book of more than 6,000 active credit clients with a PAR >1 day of less than 1%. • Developed and implemented new housing loan product, tailored to the needs of low-income business owners, which bolstered confidence of existing clients and enabled bank to acquire new clients in the aftermath of a banking crisis. • Selected by management to train all new branch managers, prior to deployment, and lead team of 10 top-rated loan officers to support the startup of new branch operations. • Played key role in the transformation of the bank from non-deposit taking financial institution into a full-service bank.