By John S. McClenahen Conceding that companies using its services often complain of complexity and confusion, the Export-Import Bank of the United States, the country's official export-credit agency, is restructuring. A new Export Finance group will handle loans, loan guarantees and export-credit insurance aimed at supporting sales abroad of U.S. goods and services. A Credit & Risk Management group will handle credit standards, credit review and compliance, country risk and economic analysis, and engineering and environmental analysis. A Communications group will be responsible for Ex-Im Bank's public affairs and marketing activities. "These changes will provide customers with a streamlined process regardless of which product is being sought," states Eduardo Aguirre, Ex-Im Bank's vice chairman. The changes are effective Oct. 1.