Céline Maréchal
Junior Credit Analyst | Corporate Risk Assessment & Financial Analysis
Paris
Professional Summary
Detail-oriented Junior Credit Analyst with solid foundations in corporate financial statement analysis, counterparty risk evaluation, and cash flow modeling. Experienced in assessing mid-market credit applications and preparing risk memos for lending committees within commercial banking environments.
Professional Experience
Banque Valois Financement
Paris, France
Junior Credit Analyst
Oct 2024 – Present
- Conduct credit assessments for mid-sized enterprise loan requests ranging from 500,000 EUR to 5,000,000 EUR across industrial and services sectors.
- Examine audited balance sheets, cash flow projections, and sector trends to establish internal credit risk ratings and debt service capacities.
- Draft clear credit committee memorandums highlighting covenant compliance, collateral adequacy, and key downside sensitivities.
- Monitor ongoing counterparty exposure and review annual corporate financial filings to detect early signs of credit deterioration.
Solférino Factoring & Lease
Paris, France
Credit Risk Assistant
Jan 2023 – Sept 2024
- Evaluated corporate buyer creditworthiness and approved trade receivables purchasing limits for SME clients.
- Maintained risk tracking sheets for an assigned receivables portfolio of 70 corporate debtors, flagging overdue obligations.
- Collaborated with risk managers to review monthly debtor exposure reports and recommend adjustment of credit lines.
Cabinet Comptable Lemaire & Associés
Paris, France
Junior Accounting Assistant
Sept 2018 – Jul 2022
- Processed client accounting entries, bank reconciliations, and tax declarations for commercial SMEs.
- Prepared preliminary financial statements and assisted chartered accountants during quarterly closing procedures.
Education
Université Paris 1 Panthéon-Sorbonne
Master of Science · Corporate Finance and Banking · Paris, France · With Honors (Mention Bien) · Sept 2022 – Sept 2024
Completed specialized coursework in corporate financial analysis, credit rating models, loan structuring, and prudential banking regulations.
Researched working capital optimization and counterparty default risk in mid-market French manufacturing companies for master thesis.
Université Paris Nanterre
Bachelor of Science · Economics and Management · Paris, France · Upper Second-Class equivalent (Mention Assez Bien) · Sept 2015 – Jun 2018
Acquired foundational knowledge in microeconomics, financial accounting, business statistics, and commercial law.
Selected Projects
Corporate Debt Capacity Modeling Project
Jan 2024 – May 2024
- Formulated a multi-variable stress-testing template in Excel to simulate cash-flow resilience under varying inflation and debt-servicing assumptions.
- Presented credit recommendations for four cross-industry case studies to a mock credit committee of corporate banking professionals.
Core Competencies
Financial Statement Analysis
Credit Risk Assessment
Cash Flow Forecasting
Ratio Analysis
Covenant Tracking
Internal Credit Rating
Financial Modeling
Loan Documentation
Moody's Analytics RiskCalc
Advanced Microsoft Excel
Languages
French
C2
English
C1
Spanish
B1
Certifications
AMF Professional Certification
Autorité des Marchés Financiers (AMF) · Jun 2024
Community Involvement
Initiative Solidarité Paris
Paris, France · Sept 2021 – Dec 2023
- Volunteer Financial Mentor
- Facilitated introductory budget management and financial literacy workshops for local young adults and micro-entrepreneurs.