Senior Credit Risk Auditor

Responsibilities

Société Generale (“SG”) is a top‑tier global European bank headquartered in France, with 120,000 employees serving some 26 million clients in more than 62 countries around the world. We have supported the development of our economies for more than 160 years by providing our corporate, institutional and individual clients with a broad array of value‑added financial solutions and advisory services.

Our longstanding relationships of trust with clients, our cutting‑edge expertise, our unique ability to innovate, our ESG capabilities and our leading franchises are part of our DNA and serve our core objective: to create sustainable value for all our stakeholders.

In the Americas specifically, SG consists of U.S. and Canadian subsidiaries, branches and representative offices, as well as branches, subsidiaries and representative offices in Brazil, Chile, Mexico and other countries in Latin America relating to the Wholesale Banking Division of SG (collectively, “SG Americas”).

The SG Internal Group Audit Division (IGAD) represents SG’s independent internal audit function, comprised of over 1,200 professionals covering SG’s global business and services in over 150 countries. We have a dedicated team of about 60 professionals to cover SG Americas, SG Internal Audit Americas (“SGIAA”). The team is composed of individuals with diverse backgrounds and subject‑matter expertise based in the New York, São Paulo, and the newly formed team in Montreal.

SGIAA conducts independent audits of operational entities in an objective, thorough and impartial manner in line with professional standards. In addition, SGIAA assesses the compliance of the Group’s operations, the effective level of risk exposure and management, the adequate enforcement of procedures and the effectiveness and relevance of the permanent control set‑up.

Main Accountabilities

Senior Credit Risk Auditors are expected to have a high degree of credit knowledge/experience and project management skills in order to meet objectives within a pre‑defined scope and timeframe. Senior Credit Risk Auditors should raise the profile of the Audit Department’s capabilities and project and promote a professional image throughout SG.

Senior Credit Risk Auditors assume a leadership role in the planning, execution, completion, and communication of credit audit missions. They should be capable of managing large and complex credit audits and should require minimal supervision or oversight given their years of experience and industry/product knowledge. Senior Credit Risk Auditors are expected to take a leadership role in the Audit Department’s continuous monitoring program, stay abreast of industry trends/developments to determine their impact on SG’s credit portfolios, and coordinate closely with the business lines and/or resource functions (i.e. Risk and Legal divisions).

Core Responsibilities

- Manage and execute all stages of assigned credit audit missions within a pre‑defined timeframe: planning, file review, portfolio analysis, report drafting, and exit meeting; prepare clear and concise worksheets.

- Prepare quality reports assessing the business line’s overall risk profile with a focus on asset quality and credit risk management framework, performing industry and peer group analysis wherever appropriate.

- Act as the primary day‑to‑day contact with the business line managers during credit audit assignments and generally thereafter for continuous monitoring purposes.

- Ensure relevant parties (i.e. Audit, Risk, Front and Middle Office) are informed, on a timely basis, of significant findings (credit or operational) arising from the credit audit assignments.

- Follow up on audit recommendations and assess management’s corrective actions.

- Attend assigned Watch List and other portfolio review meetings as part of the continuous monitoring of the credit portfolios.

- Identify opportunities for improving the credit and/or audit process and share ideas with Senior Audit Managers.

- Contribute to the annual audit risk assessment process for the auditable units under the Credit Risk Review team for the multi‑year audit plan.

Competencies

- Analytical skills: strong ability to assess credit exposures and portfolio quality, credit risks and controls using data analytic tools.

- Communication: strong written and verbal communication skills and the ability to maintain independent but collaborative working relationships with management.

- Project management: ability to organize work to meet deadlines. Must be able to multi‑task and shift priorities.

- Team work / Cooperation: Involve and collaborate with others; share information; search for win/win solutions; manage conflict.

- Ability to work independently.

- Results Orientation: demonstrates initiative, integrity, creativity.

Technical Skills

- In‑depth knowledge of credit risk, commercial lending and structured finance‑related products and processes with emphasis on corporate and investment banking activities.

- Expertise in credit risk management and financial analysis.

- Working knowledge of Internal Audit principles, methodologies, and tools.

- Working knowledge of Data Analytics.

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.

Background Screening

Due to U.S. Federal Securities law applying to this position, candidates who will apply for this position will be required to submit to an enhanced background screening, including the collection of their fingerprints by a third‑party vendor selected by the Financial Industry Regulatory Authority (FINRA).

Benefits

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.

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).

Inclusive Recruitment

Societe Generale is committed to offering an inclusive recruitment experience to all candidates. If you require any reasonable accommodations during the recruitment process, please do not hesitate to let our Recruiters know.

Diversity & Inclusion

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 meet the needs of all its clients.

Hybrid Work Environment

Societe Generale offers a hybrid work arrangement that offers employees the flexibility to work remotely, as well as on‑site, in order to promote interaction and collaboration with colleagues while adhering to all SG standard protocols. Hybrid work arrangements vary based on business area. The applicable business lines will determine and communicate the work arrangements that best meet their business needs.

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