English
FrançaisThe objective of this Technical Assistance (TA) initiative to Financial Intermediaries (FI), including commercialbanks and Micro Finance Institutions (MFI) as well as Final Beneficiaries (FB) is to ensure that
(i) the EIB'sGlobal Loans (GLs) are fully allocated to creditworthy FBs,
(ii) the FIs have sustainable organizations capableto continue Micro and SME (M/SME) lending after project completion and are able to diversify their range offinancial services and products to this market segments and
(iii) the FBs have the ability to present bankableprojects to FIs.
Component 1: Design and deliver training programs focusing on Credit Risk Management as well as on Bankingand Administrative Risk Management to FIs.
The training programs shall also include social and environmental standards as well as social andenvironmental risk assessment and management. The overall aim of the trainings is to ensure a flow ofcreditworthy and sound loan applications protecting the EIB and the FIs from credit and reputational risks. Inaddition the training programs shall comprise hands-on mentoring about EIB Page 2 of 6 eligibility criteria aswell as allocation and disbursement requests so as to ensure a timely and smooth allocation and disbursementprocess.
Component 2: Provide targeted capacity building via consulting interventions for FIs.
This component addresses the specific areas of weaknesses of individual FIs (to be identified by the FI andthe Contractor and validated by the EIB and the FI). This will ensure financial management and governanceaccording to internationally accepted professional banking and regulatory standards as well as ensure the longterm viability and sustainability of the FI’s banking operations.
Component 3: Organize a series of support actions for M/SMEs and microfinance borrowers.
This goal shall be achieved through liaising with individual FI (including Branch Managers and Loan Officers)and professional associations (e. g. banking, business and microfinance). These actions will target eligible andcreditworthy M/SMEs and microfinance borrowers. They will include a series of events to communicate on theEIB GLs, particularly their terms and conditions, eligibility criteria and allocation request procedures. The aimis to create a pool of FBs and provide a steady flow of allocations requests to the EIB. This component alsoincludes capacity building activities aimed at raising the level of financial literacy, improving managerial capacityand building entrepreneurship skills of potential FBs in order to help them present bankable projects to FIs.
The Contractor will also be requested (i) to oversee the whole programme as well as coordinate and supervisethe provision of the above TA components to the various FIs (ii) provide a first level control of the allocationsunder the underlying facilities.
KE3 and KE 4is full time positions and based in Kenya and Uganda.
KE3 and KE4 works as a consultant-trainer, and diagnoses needs in the Financial Intermediaries and drafts TORs to mobilise short-term experts and quality control their deliverables. KE3 and KE4 will primarily be involved with microfinance institutions, and microfinance/small business departments of commercial banks, but also with other FIs, according to the needs and internal organisation of work among consultants.
KE3 and KE4 may also be called upon to provide training and mentoring support for the EIB’s global loan Allocation Processing under Component 1.
KE3 and KE4, together with Key Expert 1, designs, coordinates, and implements Component 1 TA and Component 2 Consultant Actions for MFIs/ microfinance departments of commercial banks, and monitor Component 3 M/SME Support Actions and Outreach Events.
KE3 and KE4 will be in charge of preparing training sessions and/or mobilising STEs to that effect within the geographic zones / Financial Intermediaries under his remit. Responsibilities include drafting Training TOR, quality management control, training evaluation, guidance to trainees, reporting the obtained attendance, performance, satisfaction, and other indices relating to the functioning of the in situ training programme or consulting actions delivered.
The reporting is to enable project progress monitoring of results and impacts achieved.
The following qualifications, skills, and experience are required:
Qualification and Skills:
- University degree, preferably in Business Administration, Economics, Finance, Banking, or related field or equivalent professional experience.
- KE3 and KE4 should have management or operational credit management experience from a microfinance institution/ small business bank of minimum 5 years.
General Professional Experience
- Good management skills, preferably in the financial and credit analysis function in a credit department / corporate lending department of a microfinance institution with a minimum of 5 years in management.
- Good writing skills.
- Ability to use the advanced functions of word to create reports and excel to create customised spreadsheets for financial analysis purposes and database management reporting purposes.
Specific Professional Experience
- Minimum of 5 years professional experience within a microfinance provider/ small business bank, with specific focus on financial analysis and micro and small business lending, non-performing loan management, identification of key lending risks, and participation in the drafting of loan contracts to mitigate and control identified risks.
- Good analytical skills in economic and M/ MSE project finance planning and implementation (market and financial analysis risk analysis techniques, and ability to implement computer based models to analyse balance sheets, calculate key financial ratios, and make proactive recommendations in drafting loan documentation and security arrangements).
- Practical experience and proven track record in organising and delivering professional bank training programmes and development of curricula and training materials.
- Good analytical skills in economic and MSE project finance planning and implementation, fully conversant with market and financial analysis risk analysis techniques, and ability to implement computer based models to analyse balance sheets and calculate key financial ratios for lending analysis.
Together, the Team Leader and Key Expert 3 or 4 should be able to cover all the requisite training topics. They should be able to provide proof that they have successfully delivered such training programmes in EU banks as well as developing markets, as well as developed the supporting training materials.
The Project will be headed up from Nairobi, Kenya with satellite offices in Dar es Salaam, Tanzania and Kampala, Uganda. The TL is expected to liaise closely with EIB Offices in Nairobi regarding the Allocation Request Loan Processing operations throughout the target countries.
If you are interested to cooperate with AFC Consultanst in this tender, please send your most recent CV to
Barbara.Braun [at] afci.de