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Interim Credit Manager

Work Experience

EMPLOYMENT AND TRAINING HISTORY

HSBC Bank, Geneva
January to May 2007
Project Consultant in Organisation (Process reengineering)
Business Process Management

• Business Process Management (BPM): performing interviews with employees and executives with the objective of describing detailed processes for the Operations (trading with securities, back office, settlements) and the Credit Department of a bank (Lombard lending, Funds lending, treasury lending). Notes from interviews are reproduced in the BPM tool.

• Analyzing the environment and the different sources of information available: existing IT-system, available tools (fax machines, IT systems for trading or settlements, etc.) organizational charts, existing procedures, job specs and profiles, what kind of information (documents, forms, etc.) and how the information is circulating between the different roles and services/departments, what are the activities performed by the different people and how these activities are interacting between each others, which results these activities produce, etc..

• Describing the processes behind the roles and designing these processes into IT-system using workflows tools, planning of the future deliveries and follow-up of the steps already achieved.

• Project management for the “Credit” operations: detailed analysis of the current situation, design of the complete organizational chart of the Department with the different roles and respective products, listing of all the existing procedures within the Department (i.e. Lombard Credit, Funds Lending) and of the documents used in the job execution (forms, pledge of securities, types of guarantees, etc.), planning and managing all the interviews and the future deliveries.

• « Business Portal» allowing an access to common procedures: complete and detailed design of the « Business Portal» of the bank including the whole organizational chart with 5 levels of hierarchy, the corresponding functions (Manager, Head of department, Head of service, Team Leader, Employee, etc) and some of the roles performed. Organizational Chart has been drawn up with « OSSAD Portal Design».


ING Bank, Frankfurt
July to December 2006
Project Manager in Credit
• Testing phase of a new alternative rating system for SMEs (small and medium sized companies) to be introduced for companies operating in Germany and advising Management on possible rooms for improvements in the rating process for the German customer base:
o Selecting the companies to be included into the sample test.
o Processing and inputting data into the IT-system (Moody’s KMV Financial Analyst).
o Performing credit risk analysis.
o Validating the input: origin of the information, whether financial/qualitative, how they are used in intermediary step (financial ratios).
o Detailing the functionalities of the proposed alternative ratings for companies.
o Testing the sample based on the degree of correlation between selected input data and/or the derived financial ratios and the final rating note calculated.
o Presenting the results of the test to the general management of the Bank.
o Documenting the whole process.


July 2005 to December 2005
XRT Benelux, Antwerp
Senior Consultant Collection (Contract)
• Product Manager: market analysis (competition, environment), complete marketing analysis and product presentation
• Functional Analyst for a new product in collection: writing of the new Manual for functional Consultant with all the different business specifications in workflows analysis including scenarios in collection and dispute management.


August 2004 to December 2004
Renault Nissan Bank, Düsseldorf, Germany
Credit Risk Analyst (Contract)
• Preparation of detailed credit analysis on dealers and Companies using the internal Rating system of the Group
• Ranking 1st among other analysts in term of fulfilment of targets


2003 Assignments in Receivables management, Lyon
Assistant Credit Manager
• Working on the level of provisions for bad debts
• Consolidating all the accounts of a major customer in the view of improving the collection process


Aug 2002 to December 2002
Thomson Financial Europe, London
Coordinator in Credit Management (Contract)
• Analyse current situation of each Customer on a consolidated basis regarding invoicing, outstanding debts, credit notes and take or advise for any necessary action to be taken
• Consolidate all the French Customer base and establish a cross-company vision of each account
• Co-ordinate and manage all the different services within TF/ between TF and the Customers for all the major French accounts in order to achieve optimum debt collection performance
• Above average results obtained in all ranges of aged debt
• Follow-up the French billing process when billing issues need to be resolved

March 2002 to Jul 2002 Consultant Certification SAP, R/3 - Module CO

SAP Training: Infopole (Bureau Van Dijk), Lyon
• Professional Training on SAP / R3 CO
• 2002: Practical experience Aéroports de Paris, Paris: budgeting, Cost Centre analysis, allocation of costs between Cost Centres
• 1999: Focal Industries, Lyon. Initial training on SP R/3 FI. Participation in the implementation of a financial ERP within various Companies (receivables, payables)


Nov 2000 to Feb 2002
Conforama Distribution
Pinault Printemps Redoute Group, Lyon (Contract)
Financial Controller: Controller in logistics
• Reporting to the Finance Director and to the head Office
• Monthly management reporting to Head Office
• Assisting in the preparation of budgets
• Accruals & pre-payments
• Maintaining fixed assets register
• Controlling cost analysis
• Participation in the development of the cost control system of the Company
• Calculating logistic costs, inventories control


January 1995 to October 2000

Advanced studies in German and English together with professional experiences in Credit management (audit, risk analysis, collection, consulting) in Great Britain and Germany with the aim of becoming Consultant in Credit Management at a European level

• Responsibilities include:

o Audit & Consulting :
 Propositions for improving the credit control system: analysed the existing system, presentation to the Manager of the propositions, implementation guidelines. Propositions based on customer segmentation, setting up of credit limits, stop policy, litigation, rescheduling of debts, and collection procedures, choice of collection agencies
 Audit of the French direct billing system
 Manual of the procedures for the cash reconciliation of the Swiss operations

o Risk Analysis
 Management of the Credit limits of a dedicated portfolio (>100 Customers) of large and medium sized companies (LPG and Bitumen Dept., Industrial fuels Customers and Contracts and Material Dept.).
 Follow up on all credit limits exceeded; up to £500,000 credit limit authority within scoring: analysis of available financial information on companies or individual (D&B Reports, Company’s House information, financial statements from companies, ..) to run credit reports based on balance sheets and cash flow analysis and projection
 Preparation of detailed studies for approval by Manager for credit limit above authority
 Participation in the development of the companies wide credit control system and procedures: proposition for the development of new tools for the scoring method based on the statistical analysis of the financial data from the customer’s portfolio, manual of the procedures

o Collection:
 Management of a customer portfolio in retail business (>250 customers) in the High Tec industry: credit risk assessment, collection of receivables.
 Credit assessment, collection of receivable, cash allocation, reporting and budget for a portfolio of European companies (>200): Germany, France, Italy, Belgium, Spain, and Scandinavia.
 Credit Control on Swiss and French operations (>100 customers)

• Results obtained
o Above average results obtained in all ranges of aged debt
o Resolution of important commercial and financial disputes



January 1990 to November 1994
Sanpaolo Bank, Paris
Credit Risk Analyst

• Responsibility for the management of a portfolio of major French Companies
• Advisor to the Credit Committee, performing analysis of industries, international Companies (syndicated loans) based on
o balance sheet analysis
o financial ratios
o Cash Flow analysis and projections
• Responsibilities in the development and implementation of the new corporate financial model for credit risk analysis


October 1987 to August 1989
BNP- Paribas Luxembourg
Credit Risk Analyst
• Responsibility for the management of a portfolio of major international Companies
• Advisor to the Credit Committee, performing analysis of industries, international companies and financial institutions (syndicated loans) based on balance sheet analysis, financial ratios and cash flow
• Cooke ratio study of the implementation of the new 1988 Basle I Capital equity requirement and their practical consequences on the balance sheet of the bank


October 1986 to July 1987

Interconseil – Ernst & Young Group, Paris
Auditor in Accountancy and Taxation
• Accounts certification
• Fixed assets control and analysis in the context of a company’s assets valuation

Education

EDUCATION :

- 3 ‘A’ Levels

- Bachelors Degree in Economics (2:1 Equivalent), 1983
University of Grenoble

- Degree in Business Administration, 1986
Institut d’études Politiques de Paris
School of Business Administration)

- Advanced studies in German, 1995- 2000
Degree in Business German, German University entry exam (DSH),
Mainz University; Oxford Brookes University

- SAP Certified Consultant Module CO, May 2002

Skills

Credit management: risk analysis, collection, management and coordination of teams, IT competences in solutions for Credit & Collection

Languages

German, French (mother tongue), English

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