Senior Credit Risk

ResponsibilitiesABOUT THE JOB:Global Banking and Advisory (GLBA) combines recognized wholesale coverage with world-class product, financing, and advisory expertise within one team, enabling us to best support our clients. Our transversal, product-neutral coverage teams span all businesses to promote the bank's products and services globally, providing world-class capital raising, financing, and advisory expertise.Within the Credit Portfolio Management Group (“CPM”), the Credit Analyst will work under the supervision of a Director - Senior Credit Analyst and will be part of a team responsible for managing a portfolio comprised of large US corporates and subsidiaries of non-US groups in diverse industries. The Credit Analyst will be responsible for preparing comprehensive credit analyses, reviewing legal documentation, and ongoing portfolio monitoring under the supervision of the Senior Credit Analyst.What will be your DAY-TO-DAY?Preparing high-quality credit applications and annual reviews of corporate counterparties to assess their credit quality, recommending appropriate credit limits, terms, and conditions. This includes financial statements analysis (P&L, BS, and CF), a review of the client’s strategy, business risk, industry dynamics, and competitive environment.Preparing financial projections and determining debt repayment capability while ensuring compliance with SGUS Credit Policies.Proposing and updating Obligor Risk Ratings.Monitoring compliance with covenants.Reviewing all relevant legal documentation (i.e., credit agreements, Guaranty, ISDA, CSA) and proposing changes as necessary to comply with SGUS policies.Liaising with other CPM teams in the US, Europe, and Asia, as well as business lines, Bankers, legal & compliance, operations, and Risk department.Skills and Qualifications:COMPETENCIESStrong financial analytical skills.Ability to assess credit terms and conditions, including financial covenants, security, and collateral.Strong understanding of commercial and investment banking products.Ability to work in a team, including interacting with teams located in other locations (US, India, Europe).Strong writing skills, particularly in assessing and summarizing financial transactions (credit requests, covenant waivers, etc.).Strong understanding of accounting, legal, and regulatory issues governing relevant sectors.Ability to investigate, research, and synthesize data to make appropriate conclusions.Ability to analyze and evaluate counterparty risk and financial condition utilizing quantitative and qualitative data.TECHNICAL SKILLSStrong understanding of finance and accounting principles.Experience preparing financial projections under various scenarios.Proficiency using Word for written analysis and Excel for spreadsheet analysis.Knowledge of capital markets/traded products and committed financing facilities.PRIOR WORK EXPERIENCE8-10 years as a credit analyst in a corporate and investment banking entity or related field.Bachelor’s degree from an accredited university.Languages: French and EnglishAbility to communicate in English, both orally and in writing, is a requirement as the person in this position will need to collaborate regularly with colleagues and partners in the United States.Due to US Federal Securities law applying to this position, candidates will be required to submit to an enhanced background screening, including the collection of fingerprints by a third-party vendor selected by the Financial Industry Regulatory Authority (“FINRA”).OUR BENEFITS:Minimum of 20 vacation days + 4 personal days.Supportive maternity, paternity, parental, and adoption leave policy.Health spending ($2,000/year) and personal spending ($1,000/year) accounts with 75+ eligible reimbursement categories (health, training, electronics, etc.).Fully sponsored virtual healthcare assistance and Employee Assistance Program for you and your immediate family.Various Employee Resource Groups (ERG) to engage with such as Pride and Allies, American Women Network, Black Leadership Network, One planet, etc.A culture of continuous development by encouraging our employees through various training programs (online training and coaching platform such as Coursera, GoFluent, Pluralsight, First Finance, and others).OUR CULTURE:At Societe Generale, we live by our 4 core values of commitment, responsibility, team spirit, and innovation. We are engaged and demonstrate consideration for others. We act ethically and with courage. We focus our talent and energy on collective success. We experiment and propose new ideas to maximize our ability to serve client needs and anticipate market changes.D&I:Our Diversity & Inclusion Mission: Recruit, develop, advance, and retain a diverse workforce that enhances our competitive position and delivers innovative solutions to our clients.HYBRID WORK ENVIRONMENT:Societe Generale offers a hybrid work arrangement that provides employees the flexibility to work remotely and on-site, promoting interaction and collaboration with colleagues while adhering to all SG standard protocols. #J-18808-Ljbffr