Establish a Credit Management Function

4. Establish a credit management function. 

Agency heads should separate the debt collection function from the loan
making function by establishing a credit manager in the Chief Financial
Officer organization. This action should ensure that greater attention
is given to the debt collection function and should provide stronger
internal controls for the program. The credit manager should be
certified by an approved federal or private accreditation program. This
function could also be a candidate for franchising (cross-servicing
among agencies).