Mimi Adut Cleto Book a free intro call
Mimi Adut Cleto in a black blazer and tan trousers, arms folded and smiling, in a high-rise office with a city skyline behind her.
Business consultant · 12+ years in banking

Mimi AdutCleto

I help small business owners and families get clear on cash flow, credit and the next right step, so the business grows on a firm foundation.

Book a free intro call

One conversation. No cost, no pressure.

  • Senior Small Business Relationship Manager
  • Credit · working capital · cash flow
  • South Dakota State University, Business Administration
The experience behind the advice

Twelve years on the other side of the desk, learning what helps a business grow.

12+years in banking, since June 2012
5roles, from Personal Banker to Senior Small Business Relationship Manager
2012first day in banking, after a business degree at SDSU

Source: Mimi's LinkedIn experience and education, as of Oct 27, 2026.

Career arc

From Personal Banker to Senior Relationship Manager.

Every role added a new piece: the client across the desk, the branch, the home, the deposit account, and now a whole portfolio of small businesses. All five banking roles were at Wells Fargo.

  1. 2008 – 2012

    South Dakota State University

    Business Administration and Management, General.

  2. Jun 2012 – Sep 2014

    Personal Banker

    Where her banking career began.

  3. Sep 2014 – Nov 2015

    Assistant Branch Manager

    Daily operations, staff supervision and customer engagement.

  4. Nov 2015 – Mar 2018

    Specialist, Home Preservation & Mortgage

    Mortgage retention and loan work.

  5. Oct 2018 – Jul 2021 · Sioux Falls, SD

    Inbound Premier Banker

    Tailored financial options for clients, including deposit products.

    Residential mortgages · credit cards

  6. Jul 2021 – today · Irving, TX

    Senior Small Business Relationship Manager

    A portfolio of small business clients: strategic guidance on working capital, credit and digital banking, built on trust-based relationships.

    Credit · deposits · cash handling · refinance

Titles and dates from Mimi's LinkedIn profile (as of Oct 27, 2026). Her consulting is her own independent practice and is not offered through or endorsed by any employer.

Where I can help

A consultant for the whole money picture.

Most owners don't have one money problem. Cash, credit, the house, the family budget: they're connected. I've worked on every one of them.

  1. 01

    Working capital & cash flow

    Know where the money goes each month and keep enough on hand to run, pay people and grow.

    Her focus today: working capital, credit and digital banking
  2. 02

    Credit & getting ready for financing

    Get organized before you apply: what lenders look at, what to prepare and how to strengthen your file.

    Credit: part of her stated expertise
  3. 03

    Business health review

    A clear look at cash flow, pricing and expenses, so you know what is working and what to fix first.

    From her consulting services
  4. 04

    Separating business & personal money

    Clean lines between the two make taxes, credit and growth easier.

    From her consulting services
  5. 05

    Deposits, cash handling & digital banking

    Set up the everyday side so it runs smoothly: accounts, cash handling and the digital tools that save you time.

    Deposits and cash handling: her stated expertise
  6. 06

    Growth planning & simple systems

    Turn goals into a plan with simple systems you can keep up with as the business grows.

    From her consulting services
  7. 07

    Mortgage & home preservation

    Understand your options and the right questions to ask, from years of mortgage retention and loan work.

    Specialist, Home Preservation & Mortgage, 2015 – 2018
  8. 08

    Financial health coaching

    A budget that reflects your values, a debt payoff plan you can stick to, and an emergency fund that grows.

    From her coaching services
  9. 09

    Protecting your family & business

    Life, health and accident coverage explained in plain language, with clear answers and no pressure.

    From her services
  10. 10

    Financial literacy

    Free, judgment-free workshops on budgeting, credit, protection and building wealth that lasts.

    Her free community workshops
Ways to work together

Practical help, rooted in purpose.

Every journey starts with a free intro call. From there, we choose the support that fits your season, whether that's your business, your household or protecting the people you love.

Business consulting

For owners who want a stronger, steadier business.

Start with a free intro call
  • Business health review: cash flow, pricing and expenses
  • Separating business and personal finances
  • Getting organized and ready for financing
  • Growth planning and simple systems

Financial health coaching

For individuals and families ready to build healthy money habits.

Start with a free intro call
  • A budget that reflects your values
  • A debt payoff plan you can stick to
  • Building an emergency fund and savings
  • Goal setting and monthly accountability

Protection for your family & business

A healthy financial life needs a hedge of protection around it.

Ask on your intro call
  • Life insurance to care for your family if the unexpected happens
  • Health coverage for you and your household
  • Accident coverage to soften the blow of an injury
  • Protection options for business owners and their teams

Workshops & speaking

For churches, schools, pageants, conferences and community groups.

Free workshops
  • Free financial literacy workshops
  • Money basics for small business owners
  • Building generational wealth
  • Youth empowerment and faith-led leadership

Pricing. The intro call is free. Ongoing consulting and coaching are priced to what you need, and we talk it through on the call before anything starts.

What working with me looks like

Four steps. The first one is free.

  1. A free intro call

    We talk about where you are, what you're building and the next right step.

  2. A health review

    For a business: cash flow, pricing and expenses. For a household: budget, debt and savings.

  3. A plan you can keep

    Clear next steps in plain language, from separating business and personal money to getting ready for financing.

  4. Monthly accountability

    Goal setting and monthly check-ins, so the plan turns into habits.

Mimi in a patterned blouse and dark trousers, handbag in hand, on the red carpet in front of the Small Business Expo backdrop in Dallas.
Small Business Expo, Dallas, TX.
Why I do this

Plant good seeds today, reap the harvest tomorrow.

“I've seen what changes when a family truly understands its finances: knowing how to budget, how to protect the people they love, and how to start building wealth that lasts for generations.”

Mimi, on her own website

“My mission is to empower small business owners through collaboration and sound financial strategies.”

Mimi, LinkedIn

Outside the office, Mimi teaches free financial literacy workshops and speaks at community events, because the money conversations so many families never get to have should start early. She leads with faith and gratitude: “Money is a tool, and in faithful hands it can bless a family, a business and a whole community.”

  • Faith-led
  • Proudly South Sudanese
  • Financial literacy
  • Youth empowerment
  • #NextGenFinance
Speaking & community

In the room where people learn, grow and dream bigger.

  • Mimi in a teal gown beside the crowned pageant winner in front of a step-and-repeat backdrop.

    Miss & Mr. South Sudan PageantGuest speaker & presenter

  • Mimi smiling on the red carpet at the Small Business Expo in Dallas.

    Small Business ExpoDallas, TX

  • Mimi with two other women in traditional dress in front of a financial literacy banner at the WSB Convention Gala.

    WSB Convention GalaSacramento, CA

Also: Good Soil Forum, Dallas, TX. Events as listed on Mimi's website.

Topics people invite her for

  • Money basics for small business owners
  • Financial literacy for families
  • Protecting your family
  • Building generational wealth
  • Youth empowerment & identity
  • Faith-led leadership

Bring Mimi to your group

Churches, schools, pageants, conferences and community groups. Her financial literacy workshops are free.

Invite Mimi to speak →
Head-and-shoulders photo of Mimi in glasses, smiling. Let's talk

Your next season starts with one conversation.

Book a free intro call. We'll talk about where you are, what you're building and the next right step for you, your business and your family.

Book a free intro call

Prefer to write? adutmimi@outlook.com

Book a free intro call