Martin Marete

· Investing and supporting businesses in SME segment offering them growth finance and expert business advise and support to enable them to operate optimally and transition to formal corporate organizations .

· Delivering tangible value to entrepreneurs and their businesses to achieve long term sustainable success while realizing financial return and impact lasting impact for the organization in the following key performance areas-:

1. Deal Origination -Source and identify good fit deals in line with GroFin investment strategy to build a continuous pipeline of investment deals.

2. Transaction Development-Identify prospect needs and effectively sell value proposition to fulfil these needs, Screen applications effectively by conducting financial due diligence, determining viability while applying credit risk analysis policy framework. Build financial model verifying and cross referencing key assumptions and projections in line with business model.

3. Portfolio Management & Monitoring-Conduct Quartely formal clients visits and prepare business Quartely reports on business viability, financial performance, ESG compliance and collateral condition and insurance reviews.

Collect and record impact data which includes number of jobs created and sustained and numbers for youth and women employment.

Restructure investments that are viable but under performing and hand over non- viable ones too legal collections.

4. Business Support-Support the client in financial planning, cash flow management risk assessment and mitigation plan. Introduce ESG best practices and compliance to regulatory requirements and formalize the business with proper financial management systems. Create and sustain quality jobs while employing good labour practices and facilitate business linkages through network of SME service providers and clients.

5. Continuous Impact measurement, management, and Reporting- Providing partners and Investors with continuous Impact measurement data that is well managed accurate and reported on time on a quarterly basis using GRID tool.

6. Investment Expertise/Knowledge-Sharing successes, knowledge, and experience with colleagues as well as lessons learnt.

7. Writing grant proposals- Crafting detailed grant proposals to Investing for employment fund IFE, a subsidiary of KFW (German Development fund) to offer extensive support to businesses that were adversely affected by the negative effects of Covid-19 by offering bridging finance to help them regain liquidity and solvency and maintain numerous jobs that would otherwise have been lost due to containment measures imposed by the governments.

• Sourcing and on boarding SME clients with opportunities in financing their working capital, trade financing, business expansion and long term lending opportunities to support their businesses meet working capital requirements and finance business growth.
• Managing a portfolio of profitable clients with total AUM (Assets Under Management) of over USD 10 Million operating various industries and geographical locations.
• Maintaining a quality credit portfolio through continuous monitoring, early action and remediation actions.
• Growing existing portfolio through marketing and driving product penetration by tailoring client specific lending solutions to meet unique business needs.
• Continuous analytic support and collaboration with products team to improve existing products and develop new ones to keep up with dynamic client’s needs.
• Client relationship deepening by proactively reaching out to and engaging with clients to deliver on transactions, service requests and Online banking solutions.
• Reviewing and updating clients CDD in compliance with regulators AML requirements.
• Managing Clients overall credit situation and their overall banking needs

• Acquisition of SME relationships while maintaining and growing existing portfolio
• Onboarding new profitable customers through creation, development, and maintenance of high quality advisory relationships
• Evaluating new and existing clients for opportunities and whether they meet targeted criteria and risk acceptance levels.
• Thorough understanding of clients businesses and offering tailored solutions to meet their business needs.
• Initiating marketing and credit calls with existing and potential customers while keeping accurate records
• Aggressively marketing for low cost deposits and managing existing liability portfolio to protect the banks’ exposure while maximizing returns.
• Fostering effective working partnerships with SME members and support functions
• Initiate periodic customer reviews to ensure absolute compliance with banks policy on customer due diligence policies.
• Directly working with customers to deepen and secure new business relationships through analysis of needs and provision of products and services.

· Sourcing for viable deals, analyzing, presenting, and recommending good fit deals to credit risk department for approval.

· Monitoring timely repayments of monthly loan instalments by clients as contracted.

· Growing and retaining profitable clients with zero tolerance to portfolio at risk

· Interviewing analyzing and evaluating applicants with emphasis on risks business financial industry and more particularly on repayments risks

· Providing feedback to the bank’s SME department on dynamic client needs, various industry trends market and competitor bank activities and policies ensuring the banks SME products remain relevant and competitive in the market.

· Developing business opportunity for new and existing clients proactively marketing and soliciting for lending deposits and cross selling suitable products

· Follow up on after sales service and customer satisfaction and maintaining valued relationships.

· Driving and delivering sales performance by identifying and recruiting potential executive banking customers and cross selling bank products.

· Aggressively and effectively monitoring executive banking income and providing month reconciliation to head executive banking

· Offering fast friendly and accurate service to executive customers while maintaining over 95% customer retention levels.

· Responsible for relationship management of all executive banking clients domiciled at the branch

· Following up on after sale service while ensuring all customer complaints are resolved immediately

· Devising and establishing measures to enhance and deepen customer relationships during after acquiring new to bank clients.

· Receive, manage, and resolve all customer queries received on mail, calls and walk in clients

· Supporting the clients on any client initiated needs

· Referring to Snap check audit reports and other relevant guides and ensuring compliance to issues relating to customer service.

· Training branch staff on customer service needs and complaints resolution

· Responding to all customer queries and complaints within the agreed SLA

· Collecting and analyzing customer feedback in regard to quality of banks service and giving feedback on areas of improvement

· Providing administrative support to the branch staff in regard to service issues and on boarding of new clients.

· Cross selling bank products to clients by having needs based conversations to understand clients’ needs and recommending appropriate products and services.