Mohammed El Hammouti, SME Financial Analyst | Banking File

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Description

Credit analyst in a banking environment, I analyze company accounts (SMEs/ETIs) and assess their financial situation.

I specifically perform:

Balance sheet and income statement analysis
Profitability and financial balance assessment (GFA, Net Worth, Net Working Capital, Working Capital Requirements)
Credit risk assessment
Structuring of clear and concise financial analyses

I can help you to:

better understand your figures
structure your financial file
prepare a readable financing file for a bank

My goal: to provide you with a clear, actionable analysis directly usable for your financial decisions or your banking applications.

Languages

French
Native or bilingual
English
Fluent
Arabic
Native or bilingual

Workplace preferences

Remote only

Primarily works remotely

GEGEE
Surveillance and Reporting Analyst
January 2025 - Today (1 year and 7 months)
Quarterly monitoring of the WatchList (financial analysis of a large portfolio of sensitive counterparties): risk assessment and proposals for entry/exit.
Preparation of Watchlist committees: structuring files, support for decision-making.
Participation in the production of regulatory reporting (quarterly report, risk appetite...)
Financial Analysis Financial Forecasting Credit Risk Analysis SME Account Analysis Bank Financing File
BNPPARIBAS - Credit Office Strasbourg
Corporate Credit Risk Analyst
September 2023 - August 2024 (11 months)
In-depth financial analysis of SME/ETI companies (180 group files representing approximately €500 million)
Feasibility study for "balance sheet" and "off-balance sheet" financing operations (LBO, external growth, Capex, restructuring)
Writing analysis notes and reasoned opinions for decision-making bodies
Assessment of guarantees and evaluation of overall counterparty risk
Contribution to understanding the strategic issues of financed companies
Communication and support for the network
SME Account Analysis Financial Analysis Credit Risk Analysis Bank Financing File Financial Forecasting

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Signup to reveal

Master 2 Corporate Finance and Financial Markets Practice
Sciences Po Strasbourg
2024

Sustainable Finance AMF Certification
Financial Markets Authority
2025
AMF Professional Certification
Financial Markets Authority
2024

Finance Consultant