Financial Risk Manager

1 month ago


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

About Societe Generale:

Societe Generale is a leading global banking and advisory institution, recognized for its comprehensive wholesale coverage and world-class product, financing, and advisory expertise.

Our Global Banking and Advisory (GLBA) division combines transversal, product-neutral coverage teams spanning all businesses to promote the bank's products and services globally.

In the Credit Portfolio Management Group (CPM), the Credit Analyst will work under the supervision of a Director - Senior Credit Analyst and be part of a team responsible for managing a portfolio comprising large US corporates and subsidiaries of non-US groups in diverse industries.

The Credit Analyst will prepare comprehensive credit analyses, review legal documentation, and perform ongoing portfolio monitoring under the supervision of the Senior Credit Analyst.

  • Main Responsibilities:
  • Preparing high-quality credit applications and annual reviews of corporate counterparties to assess their credit quality, recommending appropriate credit limits, terms, and conditions. This includes financial statements analysis (P&L, BS, and CF), a review of the client's strategy, business risk, industry dynamics, and competitive environment.
  • Preparing financial projections and determining debt repayment capability, ensuring compliance with SGUS Credit Policies.
  • Proposing and updating Obligor Risk Ratings.
  • Monitoring compliance with covenants.
  • Reviewing relevant legal documentation (credit agreements, Guaranty, ISDA, CSA) and proposing changes as necessary to comply with SGUS policies.
  • Liaising with CPM teams, business lines, Bankers, legal & compliance, operations, and Risk department.
  • Assessing credit terms and conditions including financial covenants, security, and collateral.
  • Strong understanding of commercial and investment banking products.
  • Strong writing skills, particularly assessing and summarizing financial transactions (credit requests, covenant waivers, etc.).
  • Strong understanding of accounting, legal, and regulatory issues governing relevant sectors.
  • Ability to investigate/research/synthesize data and make appropriate conclusions.
  • Ability to analyze and evaluate counterparty risk and financial condition utilizing quantitative and qualitative data.

Technical Skills:

  • Strong finance and accounting principles knowledge.
  • Proficiency using Word for written analysis and Excel for spreadsheet analysis.
  • Knowledge of capital markets/traded products and committed financing facilities.

Prior Work Experience:

  • 8-10 years as a credit analyst in a corporate and investment banking entity or related field.
  • Bachelor's degree from an accredited university.

Language Proficiency: French and English.

Salary Estimate: $120,000 - $180,000 per annum based on location and experience.



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