Mohammed Aimane Z.

💼 Investment & Credit Risk Analyst | Wealth Strategy Expert I’m M-A. Ziti, a financial analyst with over 4 years of experience in international banking (Société Générale, CACIB, and a global institution). I help institutions manage credit risk and support individuals in building long-term wealth through optimized, data-driven financial strategies. 🧮 1. Credit Risk & Financial Analysis (for institutions) I support lenders, corporates, and real estate investors by delivering: ✅Credit risk assessments (internal models, Moody’s/S&P frameworks) ✅Professional credit memos (CRE, acquisition finance, distressed borrowers) ✅Cash flow projections, DSCR analysis, and debt yield calculations ✅Custom Excel tools for financial modeling and scenario stress tests ✅Credit policy & SOP design and credit committee contributions 📈 2. Investment Strategy & Portfolio Planning (for individuals) I help clients achieve goals like early retirement or property investment using: ✅Personalized investment plans based on risk tolerance and horizon ✅Low-cost ETF & stock portfolios (France & international markets) ✅Tax-efficient account structuring (PEA, assurance-vie, etc.) ✅Excel-based dashboards for portfolio tracking ✅Multilingual support: English, French, Arabic 👉 I also apply my strategies to my own portfolio on a regulated platform. Since I began investing, I’ve consistently outperformed the S&P 500 using an AI-enhanced approach to identify high-potential equities — including several stocks that gained over 600% within two years. I can share verified performance data with serious clients upon request. Whether you're a financial institution seeking risk expertise, or an investor pursuing financial freedom, I bring structure, clarity, and results. Let’s work together to make smarter, high-impact financial decisions.