Customer/Client:  EBRD
Period of realization:  23/05/2016 –15/11/2018
Country:  Belarus

The objective of the Assignment is to increase BIB’s efficiency and competitiveness in providing MSME loans in Minsk and 5 regions in Belarus on a sustainable basis including through identification of gaps, impediments and risks in the current MSME lending system and implementation of institutional capacity building measures.
The MSME credit advisory services allow not only to identify gaps in the key aspects of working with MSME but introduce a systemic approach to MSME lending, help develop and improve the lending methodology, policies, processes, procedures and systems at BIB in MSME lending, improve its underwriting and problem loan workout policies and procedures, strengthen its staff’s skills in credit analysis, assessment of environmental and social risks, monitoring and problem loan workout. The objectives of the Assignment are therefore focused on the following aspects of MSME lending:
• reviewing and adapting MSME lending methodology, procedures and processes
• MSME underwriting techniques;
• credit risk management, including environmental and social aspects;
• staff selection and training;
• marketing/customer service;
• new product development;
• portfolio quality management;
• arrears management.
The scope of the assignment:
• Conducting an assessment of the current MSME operations at BIB to identify gaps in the key aspects of MSME servicing as well as major impediments and risks to successful development of MSME lending operations;
• Providing recommendations on improving MSME lending operations at BIB;
• Training specialised lending personnel through classroom seminars and on-the-job training;
• Conducting seminars and workshops for senior and middle managers, loan officers, risk managers and back-office staff on all relevant aspects of MSME lending should be conducted;
• Implementing institution-building measures in BIB to ensure the sustainability of MSME lending after the end of the Assignment.

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