Preserving and Expanding CDFI Minority Depository Institutions Resource Bank: Training Curriculum

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  • Introduction to the Training
    • This module provides an overview of the key themes and issues to be addressed over the course of the two-day live training including a three step process of Get Healthy, Get Lean, and Grow.
  • Improving Financial Health Part 1: Addressing Asset Quality
    • This module provides an overview of asset management, how to get your balance sheet ready for potential sales, how investors evaluate challenged assets on banks' balance sheet, and methods to assess the best restructuring, disposition, and recapitalization options for the bank.
    • Supplemental Resources
      • Handbook on Distressed Assets Transfer: The International Finance Corporation (IFC) worked with Deloitte to create guidelines for the purchase and sale of distressed assets in the financial sector. This resource is internationally focused but the general principles can apply to asset sales by CDFIs in the United States.
      • The National Stabilization Trust: An online platform developed to connect financial institutions with buyers of real estate with the purpose of helping communities access solutions to rebuild strong and stable neighborhoods.
  • Organic Capital Growth – Revenue Strategies
    • This module provides mission aligned strategies to increase revenues including providing more holistic products and services to existing customers, targeted marketing to existing and new customer segments, and product cross-selling to existing customers.
  • Accessing Capital Market Solutions
    • This module addresses the importance of having capital market partners and focuses on expanding MDI’s access to the capital markets via a strong partnership with their Federal Home Loan Bank (FHLB) and the housing GSEs. It also touches on new lending initiatives at the Federal Housing Finance Agency, Fannie Mae, and Freddie Mac for community lenders and how to utilize the FHLBs to access cheaper funding via growing products.
  • Helping to Tell your Story through Social Impact Data Collection and Reporting
    • This module provides information to help CDFI MDIs tell their story through enhanced and targeted social impact tracking and data collection. This includes an overview of social impact measurement, how to align it with the bank’s strategy, goals, and organizational culture, and strategies for operationalizing data collection and reporting.
    • Supplemental Resources
      • Tips for Social Impact Data Collection
      • Commonly Collected Output and Outcome Indicators
      • Global Impact Investing Network – Impact Reporting and Investment Standards (IRIS) Database: The Global Impact Investing Network (GIIN) developed IRIS as a “taxonomy” of social impact metrics, which can provide guidance in selecting and defining social impact metrics. The catalog includes "cross-sector" metrics that may be relevant to organizations operating in various sectors. It also includes "sector-specific" metrics that are particularly relevant for organizations whose activities impact a particular sector such as financial services, energy, housing, education, health, or agriculture. The site includes a downloadable excel version of the entire database of impact metrics in English and Spanish.
      • PolicyMap: The Reinvestment Fund created a web-based geospatial visualization tool that aggregates thousands of secondary data sources – including census data, real estate data, health data, mortgage trends, school performance scores, unemployment, crime statistics and city crime rates – and allows organizations to layer and integrate this data with their internal data to create maps, tables, and other reports to help visualize impact.
  • Reducing Costs through Operational Efficiencies
    • This module focuses on short and long term solutions to reduce operating costs. This includes discussion of the impact of your bank’s business model on your decisions to reduce costs, a framework for making efficiency gains, and potential opportunities to gain efficiencies through sharing services, improving procurement with other CDFI MDIs, and adopting new technologies.
  • Capacity Assessment Tool Template
    • The Capacity Assessment Tool is a resource developed to analyze a CDFI MDI’s overall capacity aligned along the CAMELS framework. This tool can be utilized by CDFI MDIs and other CDFI banks to help understand current strengths and weaknesses in organizational capacity and in turn prioritize areas for focus.