This document discusses a program called "Prep My CDFI!" which is designed to help Community Development Financial Institutions (CDFIs) prepare for and strengthen their CARSTM rating. CARSTM is an independent rating system that assesses a CDFI's impact performance and financial strength. Prep My CDFI! provides an assessment, management report, and support to help CDFIs improve documentation, operations, and outcomes tracking in order to obtain a higher CARSTM rating. The program costs a minimum of $5,000 but can include additional services and support.
Participate in a conversation about the challenges in running a top-performing CDFI loan fund. We will share our tips and experiences and learn how we can help you meet your performance goals.
Different services offered by management consultancy firmsnajibsayegh1
Gulf Resources is one of the leading Management Consultancy Firms in Dubai and specialize in helping business from different industries in establishing a successful venture anywhere in the UAE.
July 2017: NEW UPDATED CAB WEBSITE: www.cabstrategy.com. Here you'll find many more CAB best practices!
Customer advisory boards are rapidly becoming a standard part of a company's marketing program. CAB meetings allow your executives to meet with a dozen or more of your most important customer decision makers. But not all CAB meetings are successful. A few of the secrets to positioning your CAB for success are shared in this mini-deck.
You can also learn more in my 2-volume set of books: The Flipchart Guide to Customer Advisory Boards and on my CAB blog: http://customeradvisoryboards.wordpress.com.
Participate in a conversation about the challenges in running a top-performing CDFI loan fund. We will share our tips and experiences and learn how we can help you meet your performance goals.
Different services offered by management consultancy firmsnajibsayegh1
Gulf Resources is one of the leading Management Consultancy Firms in Dubai and specialize in helping business from different industries in establishing a successful venture anywhere in the UAE.
July 2017: NEW UPDATED CAB WEBSITE: www.cabstrategy.com. Here you'll find many more CAB best practices!
Customer advisory boards are rapidly becoming a standard part of a company's marketing program. CAB meetings allow your executives to meet with a dozen or more of your most important customer decision makers. But not all CAB meetings are successful. A few of the secrets to positioning your CAB for success are shared in this mini-deck.
You can also learn more in my 2-volume set of books: The Flipchart Guide to Customer Advisory Boards and on my CAB blog: http://customeradvisoryboards.wordpress.com.
Why Customer Advisory Boards are a Business Imperative TodayRob Jensen
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Customer Advisory Board - Core Competencies of a World Class CABCustomer Advisory
Understand the core competencies required to build a world-class Customer Advisory Board. Based on research conducted by the CustomerAdvisoryBoard.org industry association http://www.customeradvisoryboard.org/
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HDI Capital Area Meeting March 2019 Next Step Quality: 5 Steps to Increasing ...hdicapitalarea
About the Program
You may have a great team of professional, courteous, customer-service oriented analysts, but that doesn't mean they'll always know how to resolve an issue. Attend this interactive presentation for a discussion of the many obstacles to service desk effectiveness and strategies for overcoming them. Leave motivated to begin implementing these strategies and increasing quality on your service desk right away!
Learn how to:
- Assess the quality of your current support
- Utilize in-house resources to tailor and deliver a comprehensive training program
- Leverage knowledge management
- Enforce policies to ensure information is retained and utilized
Why Customer Advisory Boards are a Business Imperative TodayRob Jensen
Customer or partner advisory boards can significantly help organizations gather insights into its corporate strategies and product direction. Join this insightful and educational webinar to learn how such an advisory council can bring tremendous value to your company.
Customer Advisory Board - Core Competencies of a World Class CABCustomer Advisory
Understand the core competencies required to build a world-class Customer Advisory Board. Based on research conducted by the CustomerAdvisoryBoard.org industry association http://www.customeradvisoryboard.org/
Learn about how to do a qualitative and quantitative analysis to determine the gap in your market for micro and small business financing. Friedman Associates has developed a unique methodology in this area.
HDI Capital Area Meeting March 2019 Next Step Quality: 5 Steps to Increasing ...hdicapitalarea
About the Program
You may have a great team of professional, courteous, customer-service oriented analysts, but that doesn't mean they'll always know how to resolve an issue. Attend this interactive presentation for a discussion of the many obstacles to service desk effectiveness and strategies for overcoming them. Leave motivated to begin implementing these strategies and increasing quality on your service desk right away!
Learn how to:
- Assess the quality of your current support
- Utilize in-house resources to tailor and deliver a comprehensive training program
- Leverage knowledge management
- Enforce policies to ensure information is retained and utilized
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In this SlideShare, Richardson discusses how decreasing customer loyalty, higher expectations, and constant competitive threats are making forecasted business from your best customers anything but a certainty. Richardson analyzes how to Driving Key Account Growth by Planning and Execution to Access the White Space.
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Decreasing customer loyalty, higher expectations, and constant competitive threats are making forecasted business from your best customers anything but a certainty. The presentation will cover the following:
1. The guiding principles for excellence in strategic account planning
2. Quantitative and qualitative factors to consider in choosing accounts for strategic account planning
3. How to align to the customer’s strategy
Account plan execution
Organizations across the world are grappling with how to maximize the knowledge that their employees have access to. They face similar core business challenges related to knowledge management (KM):
- Staff can’t easily find useful and relevant information, when they need it.
- There is a lack of trust that the information their staff come across is complete, up-to-date, and accurate.
- Collaboration is hindered by silos.
- Expertise, best practices, and lessons learned aren’t exchanged in a way that could drive innovation and creativity.
- Knowledge is “walking out the door” when people leave.
- Onboarding processes aren’t supporting new staff in getting acclimated effectively.
While many organizations face similar business challenges, how these challenges emerge and look within an organization vary based on its culture and operating environment. In this presentation, Mary Little, Practice Lead, and Kristin McNally, Senior Consultant, of Enterprise Knowledge, share methods and proven practices in assessing an organization’s KM maturity, surfacing their primary KM challenges, and defining a roadmap to their KM goals that is framed within the context of their business.
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This is a generic presentation outlining rationale, success factors and 9 practical steps for developing a corporate knowledge management strategy, based on the example of the United Nations Development Programme.
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Johnny Depp Long Hair: A Signature Look Through the Yearsgreendigital
Johnny Depp, synonymous with eclectic roles and unparalleled acting prowess. has also been a significant figure in fashion and style. Johnny Depp long hair is a distinctive trademark among the various elements that define his unique persona. This article delves into the evolution, impact. and cultural significance of Johnny Depp long hair. exploring how it has contributed to his iconic status.
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Introduction
Johnny Depp is an actor known for his chameleon-like ability to transform into a wide range of characters. from the eccentric Captain Jack Sparrow in "Pirates of the Caribbean" to the introspective Edward Scissorhands. His long hair is one constant throughout his evolving roles and public appearances. Johnny Depp long hair is not a style choice but a significant aspect of his identity. contributing to his allure and mystique. This article explores the journey and significance of Johnny Depp long hair. highlighting how it has become integral to his brand.
The Early Years: A Budding Star with Signature Locks
1980s: The Rise of a Young Heartthrob
Johnny Depp's journey in Hollywood began in the 1980s. with his breakout role in the television series "21 Jump Street." During this time, his hair was short, but it was already clear that Depp had a penchant for unique and edgy styles. By the decade's end, Depp started experimenting with longer hair. setting the stage for a lifelong signature.
1990s: From Heartthrob to Icon
The 1990s were transformative for Johnny Depp his career and personal style. Films like "Edward Scissorhands" (1990) and "Benny & Joon" (1993) saw Depp sporting various hair lengths and styles. But, his long, unkempt hair in "What's Eating Gilbert Grape" (1993) began to draw significant attention. This period marked the beginning of Johnny Depp long hair. which became a defining feature of his image.
The Iconic Roles: Hair as a Character Element
Edward Scissorhands (1990)
In "Edward Scissorhands," Johnny Depp's character had a wild and mane that complemented his ethereal and misunderstood persona. This role showcased how long hair Johnny Depp could enhance a character's depth and mystery.
Captain Jack Sparrow: The Pirate with Flowing Locks
One of Johnny Depp's iconic roles is Captain Jack Sparrow from the "Pirates of the Caribbean" series. Sparrow's long, dreadlocked hair symbolised his rebellious and unpredictable nature. The character's look, complete with beads and trinkets woven into his hair. was a collaboration between Depp and the film's costume designers. This style became iconic and influenced fashion trends and Halloween costumes worldwide.
Other Memorable Characters
Depp's long hair has also been featured in other roles, such as Ichabod Crane in "Sleepy Hollow" (1999). and Roux in "Chocolat" (2000). In these films, his hair added a layer of authenticity and depth to his characters. proving that Johnny Depp with long hair is more than a style—it's a storytelling tool.
Off-Screen Influenc
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SunDaze Surf offers top swimwear tips: choose high-quality, UV-protective fabrics to shield your skin. Opt for secure fits that withstand waves and active movement. Bright colors enhance visibility, while adjustable straps ensure comfort. Prioritize styles with good support, like racerbacks or underwire tops, for active beach days. Always rinse swimwear after use to maintain fabric integrity.
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Prep My CDFI!
1. Prep My CDFI!:
Increase Performance and Impact
and get the CARSTM Rating You Deserve!
Facilitated by:
Jason Friedman * Catherine Meyrat
Barbara Eckblad * Leslie Hoffman
2. Using Goto Webinar
• All participants will be on mute.
• You will see a panel on the right hand
side. Under the Audio tab you will see
the dial in number and access code you
were e-mailed previously. To join the
call, then enter in the Audio PIN
number.
• Q&A: we’ll save 30 minutes for Q&A;
type your questions in the Questions
Tab.
• You may also use the “Raise Hand”
button to alert the presenters that you
have a question or comment.
2
3. Friedman Associates
• We specialize in building sustainable nonprofit
organizations that help low-wealth
individuals & communities create jobs and
small businesses.
• Mission: inspire nonprofit leaders to achieve
their vision for the entrepreneurs and
communities they serve - and demonstrate
the results that lead to increased funding and
long-term success.
4. Areas of Specialization
• Organizational assessment
• Assessment of Financial Products and
Development Services
• Product development and staff training
• Develop systems for client tracking and program
performance
• Strategic planning
• Board development and
• Fund development strategies.
6. Who Is The Prep My CDFI Team?
Project ManagerJason
Strategy & Systems SpecialistCatherine
Loan Program SpecialistBarbara
Operations SpecialistLeslie
7. Catherine Meyrat
• Core expertise: operations assessment; strategies to
improve process and strategy; analyze operational costs;
develop pricing strategies for loan products and earned
income ventures; new loan product development; and using
technology to scale operations.
• Created a new, standardized risk assessment to enable
Accion Texas to increase loans to under-banked and startup
businesses and reduce loan process from 2 months to 1
week.
• Oversaw expansion of Microloan Management Services
(MMS), a loan origination software and underwriting
platform.
• Former VP of Strategy at Accion Texas, the largest
microlender in the U.S.
8. Leslie Hoffman
• Core expertise: Senior-level positions overseeing
microloan and small business lending, client service
and technical assistance, loan underwriting, portfolio
management and loan collections, sales team
development and management, staff recruitment and
training, business development and community
outreach, corporate fundraising.
• Led Accion New Mexico’s expansion into Arizona and
Colorado to become the nation’s 4th largest
microlender.
• Program performance focus with strategic planning and
process improvement expertise.
9. Barbara Eckblad
• Core expertise: scaling loan programs; portfolio
management; aligning of staff, products and systems; new
product development/expansion; earned income strategies;
loan operations systems; technical assistance deployment;
building collaborations.
• Director of Lending for Wisconsin Women's Business
Initiative Corp. where she oversaw all aspects of the loan
fund and grew the loan portfolio by 67% over 3 years and
decreased delinquency rates to below-industry standards.
• Small business ownership experience, including building an
innovative commercial and residential real estate firm from
start-up to largest market share, eventually transitioning the
firm to employee ownership.
10. Agenda
• What is CARSTM?
• What is Prep My CDFI?
• How will it prepare me for CARS?TM
• When is it time for Prep My CDFI ?
• How much does it cost?
11. What Is CARSTM?
The CDFI Assessment and Rating System (CARSTM) is
the industry’s independent, third-party rating of
impact performance and financial strength.
A CARS™ assessment includes past performance,
current financial position, and risk factors in the
future. Ratings are based on five years of historical
performance.
With CARS™, investors have enhanced transparency,
experience greater efficiency, and make smarter
investments. Leading community development
finance institutions CDFIs are rated.
12. Context
• The trend is clear: More investors require CDFIs to
produce positive financial returns and data that
demonstrate long-term impacts.
• Benefits of Impact Measurement*
Contribution to operational excellence and internal
tracking.
Influence the policies and practices of government
officials and agencies, banks, foundations, community
development practitioners.
Contribution to regulatory and investor compliance.
Competitive advantage.
Solidifying the Business Case for CDFI Nonfinancial Performance Measurement, Ben Thornley, Pacific Community
Ventures in Community Development INVESTMENT REVIEW, Federal Reserve Bank of San Francisco, pg. 53.
13. Are You Ready for CARS™?
• CARS™ is a demanding process, takes a
significant amount of staff time, and takes 6
months to complete.
• A CDFI can be rated only once every three
years.
• With so much on the line, why not invest now to
assess your capacity and strengthen
performance and impact?
14. Prep My CDFI! Process
Understanding
CARSTM
Capacity
Assessment:
impact
performance and
financial strength
Comprehensive
Management
Report and SWOT
Preparing for
the site visit
After the visit:
Implementation
Preparing for a
CARSTM renewal
15. When is the right time for
Prep My CDFI!?
“We have funders who have asked if we’re going to
get a CARSTM rating.”
“We think it’s time we go through the rating process
but don’t know where to begin.”
“We’re signed up for CARS and just got our
document request list. We need help!”
“We just received our rating and want to quickly
remediate the issues the analysts identified.”
16. Seeking or in the Process of
Obtaining a CARS™ Rating?
• Introduce management and board members to
CARS™ philosophy and goals.
• What CARS™ will analyze and what that means for
your CDFI, including impact, financial strength, and
policy advocacy.
• Scan of your CDFI and its current capacity for
working on CARS™
17. Prepare for CARS™ With Prep My
CDFI!
• Identify and review the documents you need for
CARS™ and your methods for tracking performance
and outcomes.
• Review the questions CARS™ may ask about your
required documents.
• Analyze your loan fund policies, procedures, and
more to ensure that your CDFI has the backup
documentation you need and which CARS™ requires.
• Management report and SWOT analysis (excellent
feedback for strategic planning).
18. Up for CARS™ Renewal and Want
to Improve Your Rating?
• Review CARS™ analysts’ report to identify areas of
improvement.
• Management report and action plan for remediation.
• Review and assess documentation required for
CARS™
• Coordinate a strategy for the CARS™ visit.
19. Pricing
• The minimum fee is $5,000. Does not include a site
visit.
• A one-day site visit is optional, but strongly
encouraged.
• A moderately higher fee for CDFIs with a higher level
of complexity. Determined after initial consultation.
• Additional support to improve or strengthen loan fund
operations and impact/outcomes tracking and staff
training is available.
20. Final thoughts..
• What is my vision for our
CDFI?
• How important is it to meet
and demonstrate industry
standards?
• How can I use a CARS™
rating to our advantage?
• Can I benefit from industry
experts who know the
process and can guide me
through it?
Catherine: Talk about general philosophy, what would we emphasis to board and managementCDFIs serious about exploring CARS™ will want a thorough briefing about CARS™ and our Prep My CDFI! process. In half-day site visit or webinar, Friedman Associates will brief you on (1) the CARS™ philosophy and goals; and (2) the areas CARS ™ will analyze and what that means for your CDFI, including impact, financial strength, and policy advocacy. As part of the process, our team will do a scan of your organization and its current capacity for CARS work. At the end of the briefing, you get a report of findings and next steps, including a timeline for the Prep My CDFI! process; milestones , deadlines and estimates of staff time based on the anticipated CARS™ review.
Barbara: How is loan portfolio performing and how do you Document loan programs, loan filesCatherine: Are processes documentation and evidence that you follow your processes; Documentation of processes and what you say you do Designed for CDFIsat least 6 months away from being rated – those that will sign up for CARS™ or have already signed up. Review and Assess Documentation Required for CARS™ Identify and review the documents you need for CARS™ and your methods for tracking performance and outcomes. Do you have what you need?Give you a ‘heads up’ on the questions CARS™ may ask about your required documents. Do you have proof of what you say you do?Analyze your loan fund policies and procedures manual, bylaws, and more to ensure that your CDFI has the backup documentation you need and which CARS™ requires. Key questions we will explore:How is your loan loss reserve determined?How do you mitigate risk? (how do you measure defaults, industry sectors, risk rating, how portfolio is analyzed)Do you have your processes documented and the evidence that you follow your processes How do you define success and impact? In a written report, your Prep My CDFI! Consultant will identify the strengths and weaknesses in existing documentation and summary of gaps and areas to work on. Optional: we can support CDFIs needing to make improvements in key CARS™ assessment areas. This can range from supplementing loan policies and procedures, underwriting tools, portfolio and risk management and systems for outcomes tracking, among other things. The exact fee will be based on the scope of work.
LeslieCDFIs seeking an improved rating can benefit from a strategic review of your existing rating and help you increase the chance of a stronger rating. Friedman Associates will: Review CARS™ analysts’ report to identify areas of improvement and create an action plan for remediation;Review and assess documentation required for CARS™ Coordinate a strategy for the CARS™ visit;Prepare staff and Board of Directors;Develop a multi-media PowerPoint presentation for the CARS™ analyst with an organizational overview, accomplishments and preview of performance against CARS™ indicators