About Stéphane
French
Native or bilingual
Experience
- Crédit Agricole Centre EstCredit ManagerBANKING AND INSURANCEJune 2023 - Today (3 years)Champagne-au-Mont-d'Or, FranceVerify the compliance and completeness of credit files (client documents, guarantees, contractual conditions).Set up financing contracts (consumer loans, mortgage loans).Ensure administrative follow-up of credits: compliance, intervention policy, contractual modifications.Manage guarantees (mortgages, sureties, pledges) and relationships with external partners (notaries, guarantee institutions).Ensure compliance with regulatory and conformity rules (FGAS, intervention policy, KYC, legal, etc.).Handle administrative incidents and participate in data reliability.Support and assistance for the sales network: technical assistance, securing arrangements, upstream file reliability.Interface between the network, credit analysts, and risk departments to streamline file processing.
- Crédit Agricole Centre EstProfessional Client AdvisorBANKING AND INSURANCEJanuary 2015 - June 2023 (8 years and 5 months)Viriat, FranceManagement and development of a portfolio of professional clients (artisans, traders, liberal professions, VSEs/SMEs).Global analysis of clients' financial situation: balance sheets, income statements, cash flow, financing needs.Structuring, presentation, and follow-up of professional credit files (investment, treasury, leasing), in conjunction with risk and back-office teams.Advice and marketing of suitable banking and insurance solutions (financing, payment methods, savings, provident insurance).Support for clients in their development and financial optimization projects.Monitoring client risk and anticipating sensitive situations (prevention of defaults, restructuring if necessary).Management of commercial relationships with a focus on loyalty and acquisition.Contribution to commercial objectives while respecting compliance and ethics rules.
- Crédit Agricole Centre EstIndividual Client AdvisorBANKING AND INSURANCENovember 2012 - January 2015 (2 years and 2 months)Management and development of a portfolio of individual clients with a focus on global advice and loyalty.Analysis of clients' asset and financial situation: income, expenses, borrowing capacity, life projects.Advice and marketing of banking, savings, and insurance solutions (accounts, loans, life insurance, provident insurance).Structuring, processing, and monitoring of credit files (consumer, real estate) in coordination with the back office and risk departments.Support for clients in their personal projects (real estate acquisition, renovations, studies, retirement planning).Monitoring client risk and compliance with procedures (KYC, AML/CFT, duty of care).Contribution to achieving commercial objectives while respecting customer satisfaction and regulatory standards.Participation in service quality and continuous improvement of the customer experience.
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