Marc Devos
Rue de la Fontaine 47, 1000 Brussels, Belgium
+32 2 541 8763 | marc.devos@email.com | linkedin.com/in/marcdevos

PROFESSIONAL EXPERIENCE

Senior Loans Consultant
Belgica Financial Group, Brussels
March 2019 – Present

Lead comprehensive loan consulting services for commercial and corporate clients, specializing in complex lending structures including asset-based lending, secured lending, and acquisition financing. Manage portfolio of high-value client relationships with aggregate loan values exceeding $500 million. Conduct detailed credit analysis and risk assessments to structure optimal financing solutions aligned with client objectives and regulatory requirements. Collaborate with internal audit and compliance teams to ensure all loan documents and collateral management processes adhere to Financial Industry Regulatory Authority standards and regulatory requirements. Develop customized lending proposals incorporating lines of credit, working capital solutions, and structured finance products. Achieved 95% client retention rate through exceptional client services and strategic financial advisory. Mentor junior consultants on credit analysis methodologies, documentation standards, and regulatory compliance protocols.

Loans Consultant
Antwerp Capital Solutions, Antwerp
June 2015 – February 2019

Provided consulting services for commercial lending transactions, including mortgages, secured lending, and trade finance products. Performed comprehensive credit analysis and cash flow assessments for loan applications ranging from $500K to $50 million. Prepared detailed loan documents and managed settlement processes, ensuring compliance with all regulatory requirements and internal policies. Conducted flood risk assessments and collateral valuations to determine appropriate loan-to-value ratios. Collaborated with corporate banking teams to structure lines of credit and acquisition financing for mid-market clients. Successfully closed over 120 commercial loan transactions with total value exceeding $180 million. Implemented improved documentation processes that reduced processing time by 20% while maintaining compliance standards.

Commercial Banking Associate
Flemish Banking Corporation, Ghent
August 2012 – May 2015

Supported senior bankers in originating and managing commercial lending relationships across diverse industry sectors. Assisted in credit analysis, financial statement review, and preparation of credit memoranda for loan committee approval. Coordinated with clients to gather required documentation and financial information for loan applications. Conducted market research and competitive analysis to support business development initiatives. Participated in client meetings and presentations, contributing to sales efforts that generated $15 million in new lending commitments. Gained expertise in various lending products including asset-based lending, working capital facilities, and commercial mortgages. Developed proficiency in collateral management and loan monitoring processes.

Junior Credit Analyst
Brussels Financial Services, Brussels
July 2010 – July 2012

Performed detailed financial analysis and credit assessments for commercial loan applications. Analyzed financial statements, cash flow projections, and industry trends to evaluate creditworthiness. Prepared comprehensive credit reports and risk assessments for review by senior credit officers. Monitored existing loan portfolios and identified early warning indicators of potential credit deterioration. Assisted in the preparation of loan documents and ensured compliance with internal credit policies. Supported the implementation of enhanced credit risk models that improved portfolio performance metrics.

EDUCATION

Master of Business Administration, Finance Concentration
KU Leuven Business School, Leuven
Graduated: May 2010

Bachelor of Science in Finance
Université Libre de Bruxelles, Brussels
Graduated: May 2008

CERTIFICATIONS

Certified Commercial Lending Professional
Financial Industry Regulatory Authority Series 79 License
Certified Credit Risk Analyst

SKILLS

Commercial Lending & Products: Asset-Based Lending, Secured Lending, Mortgages, Lines of Credit, Acquisition Financing, Structured Finance, Trade Finance, Working Capital Solutions

Credit & Risk Management: Credit Analysis, Risk Assessment, Collateral Management, Cash Flow Analysis, Valuation, Financial Statement Analysis

Regulatory & Compliance: Financial Industry Regulatory Authority, Regulatory Requirements, Compliance, Documentation, Internal Audit

Financial Instruments: Bonds, Options, Forward Contracts, Novation

Client Management: Consulting, Client Services, Sales, Relationship Management, Team Development

Languages: Spanish (Professional Working Proficiency), Dutch (Native), French (Professional Working Proficiency)

Technical: Loan Documentation, Settlement, Flood Risk Assessment, Payments Processing