About Hayate
French
Native or bilingual
English
Fluent
Spanish
Fluent
Arabic
Native or bilingual
Experience
- InterfimoRegional DirectorBANKING AND INSURANCEJuly 2018 - Today (7 years and 11 months)Zone d'activités industrielles et commerciales Occitanie, Limoux, FranceSince 2018, I have held the position of Director within a financing company, responsible for the management and commercial development, ensuring profitability in two regions with distinct dynamics.• •: over 800 projects studied and 225 million euros in credit distributed annually, with continuous growth, reaching for the first time the symbolic milestone of 200 million euros annually in the region.• mmm- since April 2024: the first year marked by performance with 278 million euros in credit distributed, or 653 projects financed with nearly 1000 files studied, a result achieved in the context of building a new, young, and recently trained team, to be united and mobilized to quickly achieve a high level of performance in a complex economic environment. Leading a team of 10 Specialized Financing Managers, ensuring each has the necessary resources for their business development, establishing a sustainable dynamic by creating
- INTERFIMOCommercial DirectorSeptember 2013 - July 2018 (4 years and 10 months)Saint-Étienne, FranceThe creation of the office• • Results from the first year and steady progression over 4 years to reach over 25 million euros in credit distributed.• • Significant prospecting work, both in depth and over the long term, has allowed the creation and development of an active client portfolio. Increased market share, enhanced company image, strong contribution to the rayonnement of the INTERFIMO brand among self-employed professionals, being identified and recognized.• • Development of a detailed action plan targeting commercial opportunities and competitor analysis to position and adapt to the market.
- CICBanking Advisor Specialist for VSEs, SMEs, and Self-Employed ProfessionalsBANKING AND INSURANCESeptember 2003 - Today (22 years and 9 months)Professional financing consultant | Banking strategy & executive supportI help entrepreneurs obtain financing more easily through a concrete strategic and banking approach.After more than 23 years in banking, insurance, and professional financing, I assist executives in:
- structuring their projects,
- optimizing their bank applications,
- preparing for financial meetings,
- and finding suitable financing solutions.
I can intervene quickly to:✅ analyze a file,✅ identify blocking points,✅ improve financial presentation,✅ strengthen credibility with banks,✅ prepare a business plan or banking strategy,✅ support business acquisition or transfer.My experience allows me to bring a technical, strategic, and operational perspective with clear and accessible language for entrepreneurs.
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Education
- Master's Degree: Business Economics and FinanceUniversity of Auvergne - Faculty of Economics2002Maitrise : Economie et finance d'entreprise
- DESS: Banking and InsuranceUniversity of Economics and Management2003DESS : BANQUE et ASSURANCE