Strengthening Small and Emerging CDFIs Resource Bank: Additional Resources

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1. Analysis of the CDFI Industry Landscape
   • CDFI Industry Analysis Summary Report
     • Authors: Michael Swack, Jack Northrup, and Eric Hangen
     • Summary: This report explored issues of capitalization, liquidity and portfolio, and risk management for CDFIs from 2005 to 2010. The report’s key findings were that CDFIs have been “stepping into the breach” to address lending-related needs during the recession—and have paid a financial price for doing so CDFI portfolio performance has been mixed, but only for a minority of organizations is it an issue that significantly affects overall financial performance; significant scale effects exist in all sectors of the CDFI industry; operating expenses play the driving role in determining whether CDFIs achieve self-sufficiency; and CDFIs, particularly CDFI loan funds, face numerous barriers preventing them from using and leveraging capital more effectively.
2. CDFI Operations
   • Lending Life Cycle
     • Author: Pam Porter of Opportunity Finance Network
     • Summary: A graphical depiction of the lending phases of a CDFI that includes sourcing, underwriting, loan servicing, and troubled loan management.
   • Getting the retained organization right: The other half of the shared services battle
     • Author: Jan Seele, Deloitte Consulting, LLP
     • Summary: Report provides tools to ensure that an organization continues to operate effectively if any portion of its functions is outsourced to a 3rd party.
   • Which is Better: Outsourcing or Shared Services?
     • Authors: Deloitte Consulting, LLC
     • Summary: Report provides a comparative analysis of the merits of outsourcing versus shared services.