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CREDIT POLICY MANUAL

CREDIT POLICY MANUAL USAID | Iraq Economic Governance II DATE: 16 APRIL 05 USAID Iraq Economic Governance II CREDIT POLICY MANUAL April 16, 2005 2 2004 BearingPoint, Inc. TABLE OF CONTENTS Version Date Page INTRODUCTION 6 April 05 4 PURPOSE OF LOANS 6 April 05 6 ELIGIBLE BUSINESSES 6 April 05 7 LOAN APPLICATION PROCESS 6 April 05 8 ANALYSIS OF CREDIT RISK 6 April 05 10 LOAN STRUCTURE AND TERMS 6 April 05 16 COMMUNICATIONS 6 April 05 21 DOCUMENTATION 6 April 05 22 LOAN CLOSING 6 April 05 24 MANAGING RISKS AFTER LOAN APPROVAL 6 April 05 25 MONITORING ONGOING CREDIT RISK 6 April 05 26 LOAN MODIFICATIONS 6 April 05

Credit Policy Manual April 16, 2005 8 ©2004 BearingPoint, Inc. LOAN APPLICATION PROCESS Loan Application The client completes the Credit Application with the assistance of the Branch Manager or his/her delegated Loan Officer. A suggested format for …

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