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Credit Risk Analyst

2 months ago


Montreal, Quebec, Canada SGS Société Générale de Surveillance SA Full time
About the Job

We are seeking a highly skilled Credit Risk Analyst to join our team at SGS Société Générale de Surveillance SA. As a Credit Risk Analyst, you will play a critical role in assessing the creditworthiness of corporate counterparties and recommending appropriate credit limits, terms, and conditions.

Key Responsibilities
  1. Financial Analysis: Prepare high-quality credit applications and annual reviews of corporate counterparties, analyzing financial statements, industry dynamics, and competitive environments.
  2. Debt Repayment Capability: Determine debt repayment capability and ensure compliance with SGUS Credit Policies.
  3. Obligor Risk Ratings: Propose and update Obligor Risk Ratings.
  4. Covenant Monitoring: Monitor compliance with covenants.
  5. Legal Documentation: Review all relevant legal documentation and propose changes as necessary to comply with SGUS policies.
  6. Collaboration: Liaise with other CRE teams, business lines, Bankers, legal & compliance, operations, and Risk department.
Requirements
  1. Financial Analytical Skills: Possess strong financial analytical skills, including the ability to assess credit terms and conditions.
  2. Commercial Banking Knowledge: Have a solid understanding of commercial and investment banking products.
  3. Teamwork: Ability to work in a team, interacting with teams located in other locations.
  4. Writing Skills: Possess strong writing skills, particularly in assessing and summarizing financial transactions.
  5. Regulatory Knowledge: Understand accounting, legal, and regulatory issues governing relevant sectors.
  6. Research and Analysis: Ability to investigate, research, and synthesize data to make informed conclusions.
  7. Counterparty Risk Analysis: Analyze and evaluate counterparty risk and financial condition using quantitative and qualitative data.
Technical Skills
  1. Finance and Accounting Principles: Understand finance and accounting principles.
  2. Financial Projections: Experience preparing financial projections under various scenarios.
  3. Software Proficiency: Proficiency in using Word for written analysis and Excel for spreadsheet analysis.
  4. Capital Markets Knowledge: Knowledge of capital markets, traded products, and committed financing facilities.
Experience and Education
  1. Work Experience: 4 years as a credit analyst in a corporate and investment banking entity or related field.
  2. Education: 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.

Benefits

We offer a competitive compensation and benefits package, including:

  • 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

Fully sponsored virtual healthcare assistance and Employee Assistance Program to you and your immediate family.

Various Employee Resource Groups (ERG) to engage with.

A culture of continuous development by encouraging our employees with various training programs.

Our Culture

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.

Hybrid Work Environment

We offer a hybrid work arrangement that offers employees the flexibility to work remotely, as well as on-site, to promote interaction and collaboration with colleagues while adhering to all SG standard protocols.