Freelancer profile translated to English.

Description

A professional business manager with 15 years of experience, I leverage my expertise from the "banker's side" to ensure your success. I structure and defend your applications to maximize your chances of credit approval and optimize your pricing. My holistic approach connects your professional needs with your personal assets.

🚀 CREDIT & PROFESSIONAL FINANCING

I utilize all balance sheet levers to finance your growth:

• Investment: Start-up, business goodwill acquisition, share acquisition (LBO), commercial properties (SCI, professional).

• Lease Engineering: Equipment and real estate leasing, tax optimization.

• Balance Sheet & Treasury: Working capital financing, overdraft facilities, factoring.

• Guarantees: Negotiating BPI, SIAGI to limit your personal guarantees.

🏠 PERSONAL CREDIT FOR EXECUTIVES

Specializing in self-employed / executive profiles for your personal projects:

• Real Estate Credit: Primary residence, rental investment (LMNP, Pinel), analyzing your financial statements to reassure lenders.

• Optimization: In Fine loan, equity release, debt consolidation.

💳 PAYMENT PROCESSING, CASH FLOW & SERVICES

• Payment Processing Audit: Reducing commissions, selecting payment terminals (IP/GPRS POS, e-commerce payment gateway).

• Cash Flow Management: SEPA transfers, cash management, transaction security.

🛡️ INSURANCE & PROTECTION

• Professional and Madelin Insurance: Executive protection, key person insurance, mutual health insurance, and partner protection.

• Property & Casualty: Professional Liability (RC Pro) and comprehensive business insurance.

Why me? A "turnkey" file for the banker means rapid disbursement. Complete mastery of financial ratios (EBE, CAF, Solvency) and banking scoring grids.

Languages

French
Native or bilingual

Workplace preferences

Remote only

Primarily works remotely

Crédit Mutuel
Personal Account Manager
BANKING AND INSURANCE
January 2013 - December 2017 (4 years and 11 months)
Paris, France
• Management of "Retail" & "Wealth" client portfolios: Supporting 900+ clients in managing their accounts, savings, and life projects.
• Real Estate Credit Expertise: Solvency analysis, structuring financing applications (Zero Interest Rate Loan, housing savings plan, rental investment), and implementing borrower guarantees and insurance.
• Investment & Tax Advice: Optimizing monetary and financial savings (PEA, Life Insurance, PER) and providing tax reduction advice (Loi Pinel, SCPI).
• Daily Risk Management: Monitoring overdraft risk, analyzing banking behaviors, and granting consumer credit.
Solvency ratio Solvency analysis Real estate credit Risk management Wealth management
Crédit Mutuel
Professional Account Manager in Banking
BANKING AND INSURANCE
January 2013 - Today (13 years and 5 months)
Saint-Quentin-en-Yvelines, France
Missions and Expertise:
• Management and development of a professional client portfolio: Daily support for micro-enterprises, SMEs, liberal professions, and artisans (turnover up to €1.5M - €3M).
• Financing Engineering: In-depth analysis of balance sheets and income statements. Structuring and presenting complex credit applications to risk committees (Amortizing loans, Lease financing, balance sheet financing).
• Risk Analysis: Solvency assessment, calculation of Cash Flow from Operations (CAF), cash flow analysis, and study of the coherence of business plans for start-ups or buyouts.
• Cash Flow and Payment Processing Expertise: Optimizing collection solutions (fixed/mobile POS terminals, e-commerce) and managing international payment methods (SEPA transfers, complex transfers).
• Protection and Provident Funds: Strategic advice on executive protection (Loi Madelin), key person insurance, and professional risk coverage (RC Pro, comprehensive business insurance).
• Asset Management Support: Interface between professional and private spheres for tax optimization and financing of personal real estate projects.
Key Skills:
• Financial analysis (Tax return package)
• Structuring professional credit files
• Mastery of guarantees (BPI, surety bonds)
• Commercial development strategy
• Price and contract negotiation
Financial analysis Credit analysis Financial business plan Real estate investment