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FREELANCER - CONSULTANT
- Business Manager
2015 - maintenant
Tasks/Responsibilities:
- Start-up of a business (all inclusive);
- Creation of a web shop for world-wide sales;
- Setting up the administration and reporting;
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Emerson Process Management
- Credit Manager France & Benelux
BRON
2012 - 2015
Tasks/Responsibilities:
- Managing a team of 7 persons (2 France, 3 Romania, 1 Netherlands & 1 Belgium);
- Managing a customer portfolio of high profile customers (Areva, Shell, Alstom, SBM etc);
- Managing a customer portfolio of customers in French speaking Africa;
- Change management for the transition into the new structure;
- Financial Reporting on DSO, Late Payments;
- Leading a forum to resolve disputes and enhance payment cycles;
- Member of the board of Managers in France;
- Underwriting of credit limits;
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Agence Eleonor SARL
- Real Estate Agent
2011 - 2012
Tasks/Responsibilities:
- Prospecting new properties for our portfolio and responsible for the entire selling cycle of properties
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Xerox Financial Services
- Risk Manager Leasing
Saint-Denis
2007 - 2010
Tasks/Responsibilities:
- Participated in the start-up of the captive leasing company of Xerox in The Netherlands;
- Responsible for all Risk Management matters for Xerox (Netherlands), Xerox Global Services and Xerox Financial
Services;
- Underwriting and approving lease requests for customers of Xerox throughout The Netherlands;
- Underwriting lease local requests for the European Risk Director above own discretion (USD 1 mln);
- Underwriting lease world-wide requests for the Global Corporate Risk Director above own discretion (USD 1 mln);
- Responsible for the acceptance of new Xerox Business Partners;
- Visiting and advising customers about lease and financial products;
- Maintaining a good relationship with direct sales and indirect sales through the Concessionaires channel;
- Periodically visiting customers in financial distress or for tailor made lease structures;
- Arranging the required guarantee documentation and other collateral documents;
- Analyzing and managing the development of the lease portfolio;
- Managing the Bad Debt forecast, Write-Off's and recoveries;
- Protecting the development and composition of the quality of the lease portfolio;
- Generating Management Information on a monthly, quarterly and annually basis;
- Analyzing financial documentation (Annual Accounts, Management Accounts, Business Plans);
- Undertaking credit revisions and risk analysis's;
- Documenting of leasing transactions and financial information;
- Creating and maintaining of a scorecard credit acceptance program;
- Supporting the Credit Analysts throughout Europe;
- Managing the local Credit Analyst in The Netherlands;
- Assisting the credit and collections team in the Netherlands;
- Responsible for the creation and revision of country reports;
- Manager of various intranet sites for Credit & Risk Management;
- Maintaining contacts with employment agencies and Dun & Bradstreet;
- Chairman of the Dutch Credit Committee;
- Liaison between Risk Management and the Legal Department;
Achievements:
- Successful implementation of the web-based credit application iLease;
- Introduction of the European Credit Underwriting Principals in the USA;
- Successful completion of various bankruptcy cases (all outstanding's and assets recovered);
- Development of various web-based management tools;
- Successful redesigned the large ticket credit underwriting criteria's;
- Successful completion of 2 leasing audits for Risk Management by Y&E (2009 audit ``Satisfactory)'';
- Successful completion of 2 ICMP audits (Rated back from BBB to A);
- Successful audit of Xerox Germany;
- Successful audit of the Xerox Portfolio at De Lage Landen Leasing;
- Successful due diligence of the Veenman Portfolio;
- Customer Testimonial for the Newsletter of Dun & Bradstreet ( D&B Helps Xerox Reducing Risks);
- Lecture for Premium Xerox Partners on the Economic Crisis and Business Challenges;
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Impress Shared Service Centre
- Credit & Collections Manager
2004 - 2007
Tasks/Responsibilities :
- As Manager Credit & Collections I was part of an enthusiastic team and reported directly to the General Manager;
- The goals of the team Credit & Collections was to take care of an adequate and structured debt collection;
- As Manager Credit & Collections I carried the responsibilities to guard the open debtor balances and optimizing the procedures
of the way of working within Credit & Collections;
- I am managing and coaching a team of seventeen employees world-wide and guided external debt collections agencies;
- I was also responsible for the operational communications with management and worked closely together with other teams
within the Shared Service Centre;
- Besides these activities I am continuously busy improving the Credit & Collections processes and initiate the process
improvements within the Share Service Centre;
- The realization of the departmental tasks, KPI's and reporting also was part of my tasks;
- As a project manager I have been involved with selecting and implementing a Credit Risk Tool;
- Underwriting and approving credit limits with respect to our (potential) customers and/or suppliers;
- Advising the Divisional Credit Committee on the credit limits outside my own discretion;
- Periodically visiting customers with an ``exposure'' over 250k;
- Arranging the necessary guarantees and other securities with respect to customers and/or suppliers;
- Analyzing the trend of the debtor portfolio;
- Guarding the trends and composition as well as the quality of the debtor portfolio;
- Generating management information on a monthly, quarterly and annual basis;
- Analyzing financial information (annual accounts & management reports);
- Undertaking credit revisions and risk analysis's;
- Writing and maintaining of the credit policy;
- Maintaining contact with employment agencies and credit information providers;
- Liaison between Credit & Collections and Legal Department;
- Performing due diligence's for potential take-over candidates;
Achievements:
- Successful implementation of OnGuard ICMS within Impress Shared Service Centre;
- Successful due diligence with respect to 5 competitors which were acquired;
- The improvement of the overdue position of average 17% to 7.5% (all time low 6.5%);
- Reducing the 60 days overdue position to below 1%;
- Implementation of new payment instructions worldwide;
- Moving key customers away from month-end invoicing (Bonduelle, Heinz & Akzo).
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GE Capital Co.
- European Risk Manager & Vice-chairman
2000 - 2004
GE Capital Co. (TIP / Modular Space / Avis Fleet Services)
Tasks/Responsibilities :
- Underwriting and approving lease requests above USD 0.5 mln;
- Underwriting lease requests for the European Risk Director above own discretion (USD 2,5 mln);
- Visiting and advising customers about lease and financial products;
- Periodically visiting customers with an exposure over USD 1 mln;
- Arranging the required guarantee documentation and other collateral documents;
- Analyzing and managing the development of the lease portfolio;
- Protecting the development and composition of the quality of the lease portfolio;
- Generating Management Information on a monthly, quarterly and annually basis;
- Analyzing financial documentation (Annual Accounts, Management Accounts, Business Plans);
- Undertaking credit revisions and risk analysis's;
- Documenting of leasing transactions and financial information;
- Creating and maintaining of a scorecard credit acceptance programme;
- Supporting the Credit Analysts throughout Europe;
- Managing the Regional Risk Managers throughout Europe;
- Managing the credit and collections team in the Benelux region;
- Undertaking country reports;
- Manager of various intranet sites for Credit & Risk Management;
- Writing of the anti-money laundering policy;
- Writing and maintaining of the credit policy (Policy 5.0);
- Maintaining contacts with employment agencies and Dun & Bradstreet;
- Permanent member of the ``Pre Investment Committee;
- Liaison between Risk Management and the Legal Department;
- Vice President of the Works Council;
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Hewlett-Packard Nederland B.V
- Term Credit Analyst & Credit Manager
1999 - 2000
Tasks/Responsibilities :
- Underwriting and approving lease and venture capital requests above USD 0.25 mln;
- Underwriting lease and venture capital requests for the European Risk Director above own discretion (USD 1,5 mln);
- Visiting and advising customers about lease and financial products;
- Periodically visiting customers with an exposure over USD 0.5 mln;
- Arranging the required guarantee documentation and other collateral documents;
- Analyzing and managing the development of the lease and venture capital portfolio;
- Protecting the development and composition of the quality of the lease and venture capital portfolio;
- Generating Management Information on a monthly, quarterly and annually basis;
- Analyzing financial documentation (Annual Accounts, Management Accounts, Business Plans);
- Undertaking credit revisions and risk analysis's;
- Documenting of leasing transactions and financial information;
- Creating and maintaining of a scorecard credit acceptance programme;
- Supporting the Credit Analysts throughout Europe;
- Managing the Regional Risk Managers throughout Europe;
- Managing the credit and collections team in the Benelux region;
- Undertaking country reports;
- Manager of various intranet sites for Credit & Risk Management;
- Maintaining contacts with employment agencies and Dun & Bradstreet;
- Participating and leading a project group with the aim to set-up a knowledge-based Solution regarding
ISP/ASP/FSP/Telcom/New Technologies as well as undertaking marked analysis on this subject;
- Innovate, develop and maintaining the product range (financial- / operational lease, start-up's financing ``HP's
Garage Project)''
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Lease Management B.V.
- Credit Analyst & Product manager
1998 - 1999
Activities:
- Looking after the acceptance of lease requests;
- Recommending the credit Commission of funding banks concerning lease requests;
- Looking after required certificates;
- Looking after the contact between supplier and Lease management services BV;
- Looking after periodic mailing;
- Taking part and lead - in project groups - product development routes;
- Innovate, develop and maintain the product assortment (financial -/operational lease, factoring);
- Analyze the development of the portfolio (as a whole and by vendor) (size approx. EUR 70 mln);
- Guarding and monitoring the composition and the quality of the lease portfolio;
- Making proposals concerning quality improvement;
- Supporting management at determining the tariff policy;
- Generating management information;
- Evaluating the profitability of products, vendors and arrangements with customers;
- Analyzing financial data (annual reports & management reports);
- To write revisions/risk analyses;
- Administer of lease facilities and financial data;
- Co-acquiring of new customers/commission agents;
- Developing credit-scoring models together with Graydon.
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Avéro Bank N.V.
- Credit Analyst & Product manager
1997 - 1998
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Avéro Bank N.V.
- Account manager Corporate Banking
1996 - 1997
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Barclays Bank PLC
- Assistant Senior Credit Risk Manager Assistant
1989 - 1996
Tasks/Responsibilities:
- Analyzing the financial information of corporate clients (pre-screening, regular credit reviews)
- Analysis of structured finance projects (Wijkertunnel EUR 214.1 mln)
- Preparing and underwriting credit proposals for corporate customers (Akzo/Philips/KLM/Fuji Photo Film etc)
- Calculating the Return on Notional Capital on corporate portfolio's (portfolio management)
- Visiting and advising corporate customer with regards to a wide variety of financial products
- Administering and preparation of legal documentation regarding securities
- Monitoring the credit portfolio ;
- Assisting on solvency cases ;
- Undertaking due diligence cases with regards to acquisitions of portfolio's
Achievements:
- Successfully completed the internal selling process of the Wijkertunnel project, as a risk underwriter in the syndicate lead by the
ING, based on a prudent base case scenario which proved to be very lucrative for Barclays Bank Plc ( EUR 214.1 mln). This risk
underwriting was sold in 2000 (one year after completion of the tunnel) to a Dutch pension fund against a fair profit.
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Holec Nederland N.V.
- Financial Manager Credit Administration & Assistant
1988 - 1989
HDS Infomanagement B.V. (Holec subsidiary)
IT Support, General Help Desk, LAN Manager, Local Systems manager
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Van Geet Installatietechniek N.V .
- Cashier
1987 - 1987
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Bondsspaarbank NV
- Cashier
1985 - 1987
