Description

Between January 2016 and May 2017, Belgian Bankers Academy provided technical assistance to BVF Société Générale, one of the banks participating in the SOLIDIS Partial Portfolio Guarantee Fund, managed by SOLIDIS under the PASEF project.

1. Strengthening the MSME offering: assessment of the MSME portfolio, identification of market segments, analysis of lending practices and dedicated financing instruments. Optimisation of the product offering through improved targeting, development of loan appraisal tools and training for relationship managers.

2. Establishment of Partial Portfolio Guarantee monitoring: design of an automated reporting system to monitor loans eligible under the guarantee mechanism, including guarantee indicators, volumes and maturities. Preparation of periodic reports and training of the teams responsible for using the dashboards.

At the end of the assignment, BVF Société Générale had a robust methodology for developing its MSME client base and an operational tool for monitoring the Partial Portfolio Guarantee, ensuring transparency and traceability of the guarantee mechanisms.

BBA’s Role

• Initial assessment: review and diagnosis of MSME lending practices and the bank’s needs

• Product development: adaptation of the MSME offering and creation of loan appraisal and scoring tools

• Training: delivery of sessions for relationship managers on the MSME market and the structuring of credit proposals

• Partial Portfolio Guarantee monitoring system: preparation of the technical specifications, configuration of automated reporting and development of dashboards

• Operational support: coaching of the teams in the daily use of the system and preparation of user guides

• Key deliverables: MSME procedure manuals, technical specifications for guarantee monitoring, training materials and assignment reports