1. OSWALDO MENDOZA 1
PROJECT ASSIGNMENTS
OSWALDO MENDOZA
1. Countries of Work Experience: Mexico, USA, Belize, Peru, Honduras, El Salvador, Nicaragua, Costa Rica,
Panama, Dominican Republic, Haiti, the Palestinian Territories and Burkina Faso
2. Projects Description:
Date: 2007 – Present
Location: Based in Mexico but overseeing the LAC Region
Company: Enclude (Formerly ShoreBank International,Ltd.)
Position: LAC Region Consultant
Description: Inclusive Finance for Savings Groups in West Africa
Year: 2015
Location: Burkina Faso
Client: MFIs RCPB and SOFIPE
Donor: Freedom from Hunger
Main project features: To leverage technology and extend savings and financial education to rural
women and smallholder farmers members of Savings Groups in collaboration with two Financial
Service Providers
Activities performed: Development of a financial modelingtool that would allow clients to play with
the project’s projections under different scenarios and assess the impact of the value proposition to
link Savings Groups to Financial Institutions via e-Money.
Agricultural Finance Capacity Building
Year: 2015
Location: Peru
Client: ProEmpresa
Donor: Hivos and Triodos Investment
Main project features: To supportexpansion of ProEmpresa’s agricultural loan portfolio through the
provision of capacity-building to its staff and the implementation of best practices in Agricultural
Finance aimed at businesses that follow Good Agricultural Practices and Sustainable Agriculture.
Positions held: Project Manager
Activities performed: Managing a team of local consultants with experience in SME Finance, Agi
Finance and Good Agricultural Practices. Development and implementation of Agri Finance risk
rating tools to serve the SME segment.
Green Vehicles Leasing and SME Finance Needs Assessment Diagnostic
Year: 2015
Location: El Salvador
Client: CrediQ
Donor: FMO
Main project features: To determine the strengths and areas of opportunity for implementing
international best practices in Car Finance and Energy Efficient Vehicles Leasing for SMEs and
increase capacity at CrediQ,
Positions held: SME Expert and Energy Efficiency Consultant
Activities performed: Diagnostic
SME Finance Needs Assessment Diagnostic
Year: 2014

2. OSWALDO MENDOZA 2
Location: Panama
Client: Capital Bank
Donor: DEG
Main project features: To determine the strengths and areas of opportunity for implementing
international best practices in Small Business Finance and increase capacity at Capital Bank,
Positions held: SME Expert
Activities performed: Diagnostic
SME Finance Needs Assessment Diagnostic
Year: 2014
Location: Costa Rica
Client: Banco Improsa
Donor: DEG
Main project features: To determine the strengths and areas of opportunity for implementing
international best practices in Small Business Finance and increase capacity at Banco Improsa,
Positions held: SME Expert
Activities performed: Diagnostic
SME Finance Needs Assessment Diagnostic
Year: 2014
Location: Dominican Republic
Client: Banco Santa Cruz
Donor: DEG & FMO
Main project features: To determine the strengths and areas of opportunity for implementing
international best practices in Small Business Finance and increase capacity at Banco Santa Cruz,
Positions held: SME Expert
Activities performed: Diagnostic
SME Finance Capacity Strengthening Implementation
Year: 2010 to present
Location: Honduras and Belize
Client: Banco Atlantida in Honduras and Atlantic Bank in Belize (affiliated banks)
Donor: IFC
Main project features: Capacity buildingto leadinglocal banks in small business lendingand housing
finance best practices
Positions held: Consultant, Trainer
Activities performed: Scorecard based policies/procedures evaluation at the banks to define
capacity buildingand trainingneeds in small business lending and housing finance. Development of
process map of lending operations. Capacity strengthening through development of tools,
implementation of best practices, training, coaching and mentoring.
Development of Green Product to Finance Climate Change Adaptation Measures in Agribusiness
Year: 2014
Location: Nicaragua
Client: Fondo de Desarrollo Local
Donor: MIF – EcoMicro program
Main project features: To support the development of the internal capacity in Banco Atlantida to
identify, implement and manage a SEF program in Honduras
Positions held: Consultant
Activities performed: Development of a scoring tool to determine the climate change risk faced by
potential clients and support in the development of the green product.

3. OSWALDO MENDOZA 3
Sustainable Energy Finance Capacity Strengthening
Year: 2013
Location: Honduras
Client: Banco Atlantida
Donor: IFC
Main project features: To support the development of the internal capacity in Banco Atlantida to
identify, implement and manage a SEF program in Honduras
Positions held: Consultant
Activities performed: AsIs and ToBe Process Mapping, general project support
Alternative Delivery Channels Strategic Planning
Year: 2013
Location: Peru
Client: MiBanco
Main project features: To determine what potential exists for MiBanco to deploy a comprehensive
ADC solution, quantify the financial impact of that opportunity and develop an implementable
strategy to pursue such opportunity.
Positions held: Financial Modeler
Activities performed: Development of the financial modeling tool to quantify the impact of the
proposed ADC solutions.
SME Finance Strategic Planning
Year: 2012 to 2013
Location: Costa Rica and Nicaragua
Client: BAC
Main project features: To determine the potential for implementing international best practices in
Small Business Finance and increase capacity at BAC’s SME units in Costa Rica and Nicaragua,
quantify the financial impact of the capacity increase and develop an implementable strategy to
pursue such opportunity.
Positions held: SME Expert and Financial Modeler
Activities performed: Development of the financial modeling tool to quantify the impact of the
proposed strategy, perform institutional diagnostics of current SME units, Develop a Green Product
proposal.
Alternative Delivery Channels Strategic Planning
Year: 2011 to 2012
Location: México
Client: Caja Popular Mexicana
Main project features: To determine what potential exists for CPM to deploy an ADC solution,
quantify the financial impact of that opportunity and develop an implementable strategy to pursue
such opportunity.
Positions held: Financial Modeler
Activities performed: Development of the financial modeling tool to quantify the impact of the
proposed ADC solutions.
Housing Microfinance Product Development and Capacity Building
Year: 2012
Location: Panama
Client: Banco Delta
Main project features: To expand Banco Delta´s financial product offering to include housing
microfinance (HMF) since several indicators showed that several of its clients were already using

4. OSWALDO MENDOZA 4
business loansto financetheir housingneeds. As a result, the institution required help in developing
a HMF product in line with international best practices as well as the development of internal
capacity required to adequately and sustainably offer HMF products
Positions held:
Activities performed: AsIs and ToBe Process Mapping, product development and training
Capacity Building in SME Finance with Construction Component
Year: 2011 to 2012
Location: Haiti
Client: Architecture for Humanity
Main project features: Designing, structuring, launching, originating, syndicating and managing a
“Loan Pilot” to demonstrate effective construction lending for small businesses in Haiti.
Positions held: Consultant
Activities performed: Working with AfH to develop a construction loan product targeting the needs
of SMEs seeking to rebuild their premises damaged by the 2010 earthquake. Identify banking
partners willing to extend the loan utilizing their funds (backed by AfH cash deposits or other third
party guarantees).
Feasibility Study for a Banking Services Company
Year: 2011
Location: West Bank
Client: USAID/ESAF
Main project features: The Association of Banks in Palestine (ABP) and other stakeholders
conducted a Feasibility Study for a Banking Services Company. This company will support the
Palestinian economy through excelling banking services for banks and the community in the
Palestinian territories and be the central banking services provider for the Palestinian banks.
Positions held: Financial modeler
Activities performed: Developed a generic financial model that fits into the requirements of a
standard Banking Services Company servicing banks switching, Visa/Master Cards Acquiring and
International Gateway business. Defined the cost structure of the BSC. Estimated revenues, costs
and capital expenditure over five year interval. Customized and generated a five year financial
model of the projected BSC.
SME Finance Capacity and Scoring Strengthening
Year: 2010 to 2012
Location: Mexico
Client: Finterra
Donor: IFC
Main project features: Optimization of credit process of this agricultural lending NBFI.
Development of statistical scorecard to expand lending efficiencies and improve risk management.
Positions held: Consultant
Activities performed: Evaluation of credit processes, process map development, expert scorecard
development support.
Mortgage Finance Capacity Strengthening Implementation
Year: 2009 to 2010
Location: Mexico
Client: Caja Popular Mexicana,Caja MoreliaValladolid,CajaInmaculada, Caja San Nicolas, and MFI
enConfianza
Donor: IFC & Sociedad Hipotecaria Federal
Main project features: Launching of the first mortgage origination units alienated to international
best practices at 5 Mexican Cajas (credit unions)

5. OSWALDO MENDOZA 5
Positions held: Consultant, Trainer
Activities performed: Scorecard based policies/procedures evaluation at the Cajas prior to the
launching of their mortgage program, strategic planning development, development of operative
manuals and procedures, staff training, shadowing and mentoring during the launching of the
program.
Capital Raising
Year: 2010 to date
Location: Mexico
Client: Union Andina
Main project features: Capital raise for transnational mortgage loan broker and direct lender
Positions held: Financial Analyst and Modeler
Activities performed: Development of a 10 year-financial projections model and valuation tool for
Finandina, a subsidiary of Union Andina that specializes in mortgage finance as well as for Union
Andina.
Mortgage Finance Capacity Strengthening Implementation
Year: 2007 to 2009
Location: Mexico
Client: Banco del Bajio, Hipotecaria Casa Mexicana, Hipotecaria Vertice, Fincasa, and Finpatria
Donor: IFC & Sociedad Hipotecaria Federal
Main project features: Implementations of international best practices at 5 Mexican Sofoles (Non-
banking financial institutions with limited scope)
Positions held: Consultant
Activities performed: Scorecard based policies/procedures evaluation at the Sofoles, strategic
planning and training in international best practices seminars, international mortgage toolkit
adaptation to the Mexican context, operative manuals development.
Date: 2002 to 2006
Location: Mexico
Company: SAS Mexico (ShoreBank International)
Position: Investment Officer
Description: Fondo Capital Guanajuato (FOCAP)
Year: 2002 to 2006
Location: Mexico
Client: IADB, Mexican Development Bank NAFIN, Regional Development Institute SEFIDE, and
Private Investors
Main project features: Launching and Administration of an Investment Fund targeting SMEs in the
Mexican state of Guanajuato
Positions held: Investment Officer
Activities performed: Contact of potential clients;Financial modeling,elaboration of market studies
and operative-financial-administrative due diligences; Presentation of projects to the Investment
Committee; Closing and monitoring supervision. Converted financial statements into US GAAP,
reviewing results of the Fund and its Administrator Company, as well as preparing projections for
the Fund.