Credit Analyst-

5 months ago

Montréal QC, Canada Société Générale Full time

**Responsibilities**:
**ABOUT 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. On the one hand, our transversal, product-neutral coverage teams span all businesses to promote the bank's products and services to our clients globally, and on the other, we provide world-class capital raising, financing and advisory expertise.

The Credit Portfolio Management group (GLBA/CPM) is a global organization within Global Banking and Advisory. The Real Assets and Infrastructure team covers various sectors such as Energy Project Finance, Infrastructure, Metals & Mining, Digital Infrastructure, Commercial Real Estate, and Aircraft Finance. The group is responsible for all aspects of portfolio management, including credit risk monitoring and capital management.

**WHAT WILL BE YOUR DAY-TO-DAY?**
- Preparing financial projections and determining debt repayment capability as well as assuring 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 CRE teams in the US, Europe and Asia, business lines, Bankers, legal & compliance, operations, and Risk department;

**Profile required**:
**SKILLS AND QUALIFICATIONS**:
**COMPETENCIES**
- Financial analytical skills;
- Ability to assess credit terms and conditions including financial covenants, security and collateral;
- Understanding of commercial and investment banking products;
- Ability to work in a team including interacting with teams located in other locations (US, India, Europe);
- Writing skills particularly assessing and summarizing financial transactions (credit requests, covenant waivers, etc.);
- Understanding the accounting, legal and regulatory issues governing relevant sectors;
- Ability to investigate/research/synthesize data and make appropriate conclusions as to what is causing the observed results
- Ability to analyze and evaluate counterparty risk and financial condition utilizing quantitative and qualitative data.

**TECHNICAL SKILLS**
- 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 EXPERIENCE**
- 4 years as credit analyst in a corporate and investment banking entity or related field;
- Bachelor’s degree

**LANGUAGE**:
Ability 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.

**Why join us**:
**OUR BENEFITS**:
**WHAT WE DO DIFFERENTLY AT SOCIÉTÉ GÉNÉRALE**

Competitive compensation & benefits offering, including but not limited to:

- 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 to 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 various training programs (online training and coaching platform such as Coursera, GoFluent, Pluralsight, First Finance, and others)

**Business insight**:
**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. This way, we maximize our ability to serve client needs and anticipate market changes. Societe Generale is committed to strengthening bonds with colleagues, communities, and the world in which we live, because relationships are at the heart of how we operate.
**D&I**:
Our Diversity & Inclusion Mission: Recruit, develop, advance, and retain a diverse workforce that is united in our efforts to enhance our competitive position and deliver innovative solutions to our clients.
- Our Diversity & Inclusion Vision:

- Engaged workforce that is demographically diverse in a way that reflects the communities in which we operate
- Inclusive culture and workplace that recognizes employees' unique needs and utilizes their diverse talents
- Engage our community and marketplace, and position the organization to mee

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