GBRW have been leaders in SME banking and finance for 25 years

The rewards of better SME banking are highly worthwhile, not just for banks and their SME customers, but for the economy as a whole.

In most countries Small and Medium Sized Enterprises (SMEs) represent a substantial proportion of economic activity, and typically account for well in excess of 50 per cent of total employment. However, developing a successful SME banking business is sometimes difficult, especially in Emerging Markets. Lack of reliable market and company information, and weaknesses in the local business environment and culture, can pose serious challenges.

The experience of many banks, both in developed and emerging markets, is that developing a successful SME banking business means adopting novel approaches to meet specific local circumstances. We have extensive experience in providing practical consulting and training covering most of the issues facing banks looking to operate in this market, and to help them build sustainably profitable SME banking businesses.


Download GBRW's SME Banking & Finance Capability Statement.

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SME Banking & Finance News

Philippe Belot

LOCAL CURRENCY LENDING: The challenge faced by Multilateral Development Banks

26th March, 2024

Nate Dickerson

Introduction to GBRW Problem Loan Management Training

7th December, 2021

Nate Dickerson

GBRW Learning Delivers Another Successful Course for the Egyptian Banking Institute

2nd December, 2019

Mike Coates

SME Banking Consulting and Training for National Bank of Kuwait-Egypt

19th December, 2017

SME Banking & Finance Assignments

Design of a Sustainability-Linked Loans framework for the SME clients of a large European commercial bank

SME Credit Risk Analysis and Assessment Training for the Egyptian Banking Institute

Credit Rating Tools for Bank of Industry

SME Operations Guidelines for Trade and Development Bank

SME Banking for National Bank of Kuwait-Egypt

Consulting and Advisory to Golomt Bank in Mongolia

SME Customer Relationship Management Training for the Egyptian Banking Institute

Banking Consultancy to P2P SME Lender

Strategy, Governance, and Risk Management Consulting for Kreditprombank

SME Franchise Finance in Egypt

SME Banking Strategy and Customer/ Product Toolkits for Techcombank (Vietnam)

Evaluation of Technical Assistance Advisory Services on SME Banking

SME Banking & Finance Courses

Problem Loan Management

Problem Loan Management

6 Modules
Nate Dickerson

SME Banking and Finance

Customer Relationship Management in SME Banking

6 Modules
Mike Coates

SME Banking & Finance Team

GBRW has a team of experienced banking and finance practitioners with practical experienceto develop your SME banking and finance business. Our team can mobilise on-site or remotely to work side-by-side with you to maximise the potential of this segment. SME banking and finance is the foundation of a successful wholesale banking and finance franchise, where large corporates increasingly deliver lower risk-adjusted returns. Our approach emphasises differentiating the Customer Value Proposition (CVP) to overcome the 'price trap'.

Jeremy Denton-Clark

Director, GBRW Consulting/ Learning/ Expert Witness

Jeremy has been a Director and Company Secretary of GBRW Consultancy since 2000. He joined the GBRW group of companies after 32 years of experience as a professional commercial banker in the City of London, the last 8 years of which he was the Chief Executive Officer of a merchant bank.

Jeremy started his career in the foreign exchange department of Kleinwort Benson before moving on to the control of advances made by the French and Belgium branches of the National Westminster Bank. Moving back to London he joined for 13 years a bank owned by commercial banks in the United States, Scandinavia and Germany where he was appointed a Director and General Manager. Jeremy was then appointed the Chief Executive Officer of a merchant bank in London specialising in trade finance, private banking and lending to SMEs.

Jeremy has been a banking consultant for over 20 years and resident in Moscow, Bucharest and Zagreb on bank restructuring projects. He has delivered 52 consultancies in more than 20 countries. He is a specialist in corporate governance and organisation structure; development of a bank’s strategy and objectives; capital adequacy, funding and liquidity; risk management as well as lending to SMEs and mid-cap corporations including recovery of portfolios of NPLs and individual loans in default.

He has been a Non-Executive Director of a commercial bank in the Balkans for 4 years, an advisor to the CEO and Executive Board in a number of banks in developing markets and a trainer on technical banking topics in numerous countries.

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Mike Coates

Joint Managing Director, GBRW Consulting/ Learning

Mike is the Deputy Managing Director of GBRW Consulting. Following over 14 years' experience as a professional banker and financial services consultant, he joined the GBRW group of companies in 2011.

During his 10 years with Lloyds Banking Group in London, Mike worked in retail and corporate banking, finance, and risk management. Mike also spent five years with the International Advisory Services department, a specialist unit within the Financial Institutions Group focused on delivering Lloyds Bank branded consulting and training for banks in emerging markets. On leaving Lloyds Bank, he then spent three years as head of financial sector consulting at a leading economic development consulting firm.

Mike has specialist expertise in strategic and financial planning for financial institutions, credit risk management for SME and corporate borrowers, and business analysis and Management Information Systems. Mike has worked on business development and consulting projects in over 25 countries throughout Europe, Africa, the Middle East and Asia. He is also an experienced training instructor, leading courses focused on strategic marketing and Customer Relationship Management for bankers addressing the Small – and Medium-Enterprise (SME), commercial, and corporate markets.

Mike holds a BSc in Financial Services from the University of Manchester, as well as the esteemed Associateship of the Chartered Institute of Bankers (ACIB). He has also been the lead researcher and co-author of several well-regarded studies and publications.

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Nate Dickerson

Director, GBRW Consulting/ Learning

Joining in 2012, Nate Dickerson is the Director of Credit Risk Management at GBRW. Nate’s banking career started with Chase Manhattan, where he enjoyed a 13-year career. Responsibilities included domestic and international debt restructuring, credit administration, and relationship management. While at Chase, Nate also developed and delivered credit risk management training for Chase’s Credit Training Program.

Nate has been engaged as a consultant for over twenty-five years providing consulting and training in more than 20 countries in Asia, Latin America and the Caribbean, Europe, Africa, and the Middle East. Advisory services have focused on problem loan management, enterprise restructuring, corporate governance, credit risk management, loan assessment, institutional and industry assessments, organizational design, and human resource management.

During this time, Nate has also designed and delivered training programs for lending professionals serving the small and medium enterprise (SME) and microentrepreneur markets. Training programs have addressed Problem Loan Management; Out-of-Court Workouts; SME Credit Analysis; Commercial Credit Assessment; Understanding and Appraising a Business Plan, and Credit and Non-credit Risk Management (from the Branch Prospective). His training design and instructional skills have been honed on scores of training workshops conducted for such organizations as RMA, American Institute of Banking, National Bankers Association, Banking Skills Training and Consultancy (Vietnam), Omega Performance, and Egyptian Banking Institute.

Nate holds a Master of Business Administration from the Wharton School, with a concentration in international finance and management information science, and a Bachelor of Arts from Colgate University, with a major in philosophy.

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