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Credit Risk Management Officer

2 months ago

Montreal, Quebec, Canada Société Générale Full time
Key Responsibilities

The Risk Management Division plays a crucial role in fostering the sustainable advancement of the Société Générale group by leveraging its expertise and comprehensive understanding of various risks. The department's core mission is to objectively analyze, evaluate, manage, and oversee risk-related activities to ensure optimal outcomes for the bank in collaboration with the first line of defense. This includes supervision of enterprise, strategic, credit, market, liquidity, operational, model, and other risks associated with corporate and investment banking operations.

POSITION OVERVIEW:

The ideal candidate for this role will engage actively in significant credit risk and counterparty credit risk projects within the designated region. This position, part of the Portfolio Management and Governance team, will allow the successful candidate to directly participate in the assessment of a portfolio comprising corporate and financial institution clients. Responsibilities include identifying risk drivers, managing transversal projects related to risk oversight, and spearheading relevant governance committees. Close collaboration with colleagues from other Credit Risk departments, such as the Credit Assessment Group and the Asset Restructuring & Recovery Management team, will be essential.

A robust understanding of credit risk methodologies and frameworks is necessary, as the candidate will assist in organizing and coordinating insights from various subject matter experts while enhancing risk oversight.

This role demands strong analytical capabilities and familiarity with credit and counterparty credit risk metrics, credit portfolio analysis, and the controls and processes surrounding market risk. The candidate should develop a comprehensive and practical understanding of key risk metrics and reporting, with the ability to effectively communicate critical findings within the risk department, to senior management, and to external stakeholders, including regulators.

Daily Responsibilities Include:

The primary duties encompass, but are not limited to:

Portfolio Analysis and Reporting:

  • Generate and/or contribute to essential reports for Senior Management and regulatory bodies.
  • Evaluate and monitor portfolio quality utilizing key Credit and Counterparty Credit Risk metrics, including stress testing and debtor risk assessments.
  • Communicate effectively regarding the evolving risk profile of the portfolio, identifying risk drivers and emerging threats, while assessing cost of risk requirements.
  • Conduct or contribute to ad hoc portfolio analyses focusing on specific sectors or risk factors influenced by economic and geopolitical conditions.
  • Develop data-driven analyses and reports to enhance the effectiveness of credit risk management.
  • Implement necessary controls to improve the quality of portfolio analysis, including quarterly Legal Lending Limit controls and monthly Concordance Table Controls.
  • Collaborate with the Data Management Office to evaluate the quality of credit risk data and assist in resolving various data quality challenges.
  • Actively engage in the implementation of new regulatory requirements.

Coordination of Credit Risk Committees:

  • Serve as the primary coordinator for Credit Risk during regulatory reviews and requests.
  • Act as the main coordinator for Credit Risk during internal and external audit reviews.
  • As secretary for several feeder committees to the Credit Risk Committee, prepare and coordinate materials and contributions, presenting to key stakeholders, including senior management.
  • Manage contributions to the SGUS Credit Risk Committee and the SGUS Enterprise Risk Committee, including proposing annual risk appetite and monitoring compliance.

Governance and Digitalization of Credit Risk:

  • Participate in the quarterly Watch List process, managing entries and exits, and conducting annual Credit Trigger Back Testing.
  • Collaborate on provisioning workflows with the Asset Restructuring & Recovery Management team, ensuring accurate provisioning information and maintaining the Asset Recovery database.
  • Foster collaboration across support functions and business lines, enhancing alignment with Credit Risk at the Head Office.
  • Ensure that Credit Risk policies and procedures are accurate and current.
  • Improve Credit Risk processes through automation and leverage the latest technologies and collaborative tools.

Project Management and Contributions:

  • Lead or participate in defined projects or initiatives, acting as a Subject Matter Expert or Project Manager.
  • Contribute to the enhancement of Credit Risk applications, systems, and databases.
  • Implement change management initiatives within Credit Risk driven by strategic projects.
Required Profile

Skills and Qualifications:

Essential:

  • Strong knowledge of credit portfolio analysis and credit risk metrics.
  • Excellent quantitative and analytical skills.
  • Ability to synthesize complex information and derive actionable insights.
  • Familiarity with risk regulatory requirements and concepts.
  • Bachelor’s or Master’s Degree in Finance, Statistics, or a related quantitative field.
  • Proficient in SQL and Python, with strong knowledge of PowerBi for data visualization.

Preferred:

  • Experience in credit risk analysis and methodologies.
  • Background in application/system development.
  • Knowledge of credit risk assessment.
  • Experience in project management with multiple stakeholders.

LANGUAGE REQUIREMENT:

Proficiency in English, both written and verbal, is essential for effective collaboration with colleagues and partners.

This position is subject to enhanced background screening as per regulatory requirements.

Why Choose Us

OUR BENEFITS:

WHAT SETS SOCIÉTÉ GÉNÉRALE APART:

  • Competitive compensation and benefits package, including:
  • Minimum of 20 vacation days plus 4 personal days.
    • Supportive parental leave policies.
    • Health spending and personal spending accounts with numerous eligible reimbursement categories.
  • Fully sponsored virtual healthcare assistance and Employee Assistance Program for employees and their families.
  • Various Employee Resource Groups to engage with.
  • A culture of continuous development with access to diverse training programs.
Business Insight

OUR CULTURE:
At Société Générale, we uphold our core values of commitment, responsibility, teamwork, and innovation. We are dedicated to ethical practices and collective success, continuously striving to meet client needs and adapt to market changes.

DIVERSITY & INCLUSION:
Our mission is to cultivate a diverse workforce and an inclusive culture that recognizes and utilizes the unique talents of our employees.

HYBRID WORK ENVIRONMENT:
We offer flexible work arrangements to promote collaboration while adhering to standard protocols.

Société Générale is an equal opportunity employer committed to diversity and inclusion in the workplace.