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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 28 LOAN REVIEW FUNCTION 6 April 05 29 LOAN RESTRUCTURING GUIDELINES 6 April 05 31 PROBLEM LOANS 6 April 05 32 THE CREDIT FILE 6 April 05 33

Credit Policy Manual April 16, 2005 2 ©2004 BearingPoint, Inc. TABLE OF CONTENTS Version Date Page INTRODUCTION 6 April 05 4 ... APPENDIX L: BANK GUARANTEE FORM FOR ADVANCE PAYMENT 6 April 05 59. USAID Iraq Economic Governance II Credit Policy Manual April 16, 2005 4 ©2004 BearingPoint, Inc.

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