I am in the following situation: We have an enterprise developer account and for an app we are working with an external developer.
At the moment we do not have access to
You can have your external developer to sign with whatever he wants and then you can re-sign the IPA and use it. This way the source code is "safe" in the developer's perspective and you can use your IPA signed with your certificate. I normally use this, but you can do it in the command line too...
As for your Post Scriptum part, that's not true... I have the experience of working with external agencies where they use their own certificate and provisioning and when I receive their IPA I only need to re-signed it.