Tom Perrin
Relationship Manager Institutional Clients @LCL
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WORK HISTORY
Relationship Manager Institutional Clients @LCL
Client portfolio: Mid-cap and large companies (turnover > €7M), asset management firms and investment funds, insurance companies, sports associations, training and religious institutions.Main responsibilities: • In-depth financial analysis and assessment of counterparties’ creditworthiness • Preparation of comprehensive credit applications and internal credit rating assessments • Drafting, presentation, and follow-up of credit proposals to credit committees • Monitoring of regulatory compliance (KYC/KYB, AML, transaction surveillance) • Structuring of tailored financing solutions (investment loans, working capital, leasing, guarantees) • Commercial development of the portfolio: prospecting, identifying opportunities, building tailored value propositions • Negotiation of financial terms with clients • Monitoring the profitability and overall performance of the portfolios • Risk management: market and sector watch, early identification of warning signals, monitoring exposures • Cross-functional coordination with internal teams (legal, compliance, risk, operations, product specialists, trading room) • Contribution to the implementation of banking products (investment solutions, cash management.
EDUCATION
KEDGE Business School
EBP International Program
Akademia Leona Koźmińskiego (Kozminski University)
Bachelor of International Management
KEDGE Business School
MSc Banking & Finance
ABOUT TOM PERRIN
After earning my bachelor\'s degree in International Management in Poland, I had the opportunity to work in various industries, each offering me unique insights into the business world. It was through these professional experiences that I stumbled upon a field that wasn’t initially part of my career plan: banking and finance. This discovery turned out to be a real revelation. I realized that while this sector is complex, it is full of fascinating opportunities that sparked my curiosity and desire to explore further. Driven by this newfound passion, I decided to pursue an MSc in Banking and Finance at Kedge Business School. This program is not only helping me deepen my technical knowledge, but it is also allowing me to understand the strategic challenges and economic dynamics shaping this ever-evolving industry. With these new insights and my past experiences, I am fully committed to building a strong and fulfilling career in the financial sector.
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