Senior Credit Analyst

About the opportunity

The Real Assets and Infrastructure (“RAI”) group within Credit Portfolio Management (CPM) AMER is seeking a Senior Credit Analyst (Vice President) to be based in Société Générale’s Montreal office.

Responsibilities

The Real Assets and Infrastructure (“RAI") group within Credit Portfolio Management (CPM) AMER is seeking a Senior Credit Analyst (Vice President) to be based in Société Générale’s Montreal office.

The role is responsible for the ongoing credit portfolio management of project finance transactions across The Americas, covering primarily Infrastructure and Digital Technology (Data Centers, Fiber and Core Infrastructure), but also including Energy (Power, Renewables, Midstream & Downstream O/G, Energy Transition), and Metals & Mining assets.

The position focuses on post‑closing credit risk management, including transaction monitoring, review and processing of amendments and waivers, annual portfolio reviews, and close interaction with internal stakeholders across Origination (Business Lines), Risk, and Legal (among other departments).

About Credit Portfolio Management (CPM) at Société Générale

Credit Portfolio Management (CPM) is a specialized function within Société Générale’s Global Banking and Advisory (GLBA) division. CPM oversees the bank’s credit portfolios, focusing on credit risk monitoring, portfolio optimization, and capital efficiency across a wide range of asset classes and sectors.

Within CPM, the Real Assets and Infrastructure (RAI) group plays a critical role in managing credit exposures related to Infrastructure (including Digital Infrastructure), Energy and Metals & Mining projects. RAI is responsible for monitoring the performance and risk profile of complex project finance transactions throughout their lifecycle—from construction through ongoing operations. By leveraging sector expertise and applying rigorous portfolio management practices, RAI supports the successful execution of major projects while safeguarding the bank’s interests and optimizing its capital allocation.

What will you do?

Ongoing Credit Monitoring

• Monitor counterparties and underlying projects, including construction progress, operational and financial performance, and covenant compliance
• Identify early warning signals and contribute to Watch List designation and provisioning assessments for challenged transactions
• Participate, when required, in the management of stressed or underperforming credits

Periodic Credit Reviews & Risk Assessment

• Prepare annual credit reviews, including financial analysis, cash flow model review, rating assessment, and forward‑looking risk evaluation
• Assess debt service coverage, liquidity, structural protections, and overall credit quality
• Prepare quarterly reporting for underperforming assets
• Assess and propose internal classifications and obligor ratings
• Review and process amendment, waiver, and consent requests, including analysis of proposed project and documentation changes, assessment of credit risk implications, and preparation of internal credit memoranda with recommendations
• With respect to Renewable Energy Projects, participate in the onboarding of tax equity counterparties, including credit assessment and review of transaction documentation
• Manage term conversions of Energy project finance transactions, including review of the post‑conversion credit profile, repayment of tax credit transfer and tax equity bridge loans, related documentation changes, and ongoing monitoring considerations.
• Coordinate internal approval processes with Risk Management and Origination/Business Lines

Portfolio Governance & Reporting

• Prepare quarterly portfolio reviews, including Watch List reporting and risk commentary
• Contribute to portfolio dashboards and exposure analyses by sector, region, and risk rating
• Support regulatory reporting (including Shared National Credit) and internal/external audits
• Assist in internal and external audits and examinations of portfolios from a credit risk standpoint
• Support secondary sales and other portfolio risk‑transfer transactions involving project finance assets
• Provide ad‑hoc support for requests from senior team members, including preparing portfolio insights and deal‑specific information

Stakeholder Engagement

• Engage with borrowers and agents, as appropriate, on post‑closing matters including information requests, covenant compliance, and transaction‑related discussions.
• Work closely with Origination, Risk, Legal, Middle Office, and Asset Recovery teams

What you will gain

• Exposure to complex, large‑scale project finance transactions across the Americas
• Opportunity to further develop ex