Martin Ativor

Microfinance Department Staff | Weto Rural Bank
February 2020 - Present

Responsibilities
- Client Mobilization & Assessment: Educated rural communities and SMEs on microfinance products; conducted credit appraisals, field visits, and cash flow analysis to assess loan eligibility.
- Loan Processing & Disbursement: Prepared loan applications, reviewed documentation, and presented cases for approval; ensured accurate disbursement in line with bank policies.
- Loan Monitoring & Recovery: Monitored loan utilization, followed up on repayments, managed arrears, and implemented recovery strategies to reduce Portfolio at Risk (PAR).
- Customer Relationship Management: Built strong client relationships to drive savings and repeat borrowing; resolved inquiries promptly to improve customer satisfaction.
- Reporting & Compliance: Maintained accurate client records and prepared weekly/monthly portfolio performance reports; ensured compliance with Bank of Ghana regulations and internal policies.

Key Achievements
- Increased active loan portfolio by 25% within 12 months through targeted client mobilization in rural areas.
- Maintained loan repayment rate above 95% by strengthening follow-up processes and client financial education.
- Onboarded 150+ new clients in underserved communities, expanding the bank’s outreach and market share.
- Reduced Portfolio at Risk from 8% to 4% by improving pre-disbursement screening and early warning systems.
- Trained 200+ clients on financial literacy, improving repayment discipline and savings habits.