Approval Empowering Process



Credit decisions for smaller amounts will be made by a rotating committee of previous loan beneficiaries. This gives them an empowered hands-on vision of how to assess business performance and make good credit decisions.
 
Larger extensions of credit are voted upon by volunteer bankers and underwriters more familiar with making banking decisions. A loan committee is operated as a subset of the Board of Directors. The board ratifies all lending and grant recommendations. 


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