DAI has been contracted by the EBRD to help Investbanka substantially increase its small and medium-sized enterprise (SME) lending activities. Team members are designing an appropriate SME lending methodology and programme to roll out at the head office in Skopje and at least five branches outside Skopje. The team is assisting with staff training on SME credit assessment and portfolio monitoring, as well as with the development of appropriate software solutions. These measures will then be backed up by the establishment of a credit risk management team to monitor the credit portfolio (especially exposure by client) and to review the financial analyses performed by loan officers.