Senior Credit Risk

2 weeks ago

Montreal, Canada SGS Société Générale de Surveillance SA Full time

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. Our transversal, product-neutral coverage teams span all businesses to promote the bank's products and services globally, while providing world-class capital raising, financing, and advisory expertise.

Within the Credit Portfolio Management Group (“CPM”), the Credit Analyst will work under the supervision of a Director - Senior Credit Analyst and will be part of a team responsible for managing a portfolio comprised of large US corporates as well as subsidiaries of non-US groups in diverse industries. The Credit Analyst will be responsible for preparing comprehensive credit analyses, reviewing legal documentation, and ongoing portfolio monitoring under the supervision of the Senior Credit Analyst.

What will be your DAY-TO-DAY?

  • 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, its business risk, industry dynamics, and competitive environment.
  • 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 CPM teams in the US, Europe, and Asia, business lines, Bankers, legal & compliance, operations, and Risk department.

Skills and Qualifications:

COMPETENCIES

  • Strong financial analytical skills.
  • Ability to assess credit terms and conditions including financial covenants, security, and collateral.
  • Strong understanding of commercial and investment banking products.
  • Ability to work in a team including interacting with teams located in other locations (US, India, Europe).
  • Strong writing skills particularly in assessing and summarizing financial transactions (credit requests, covenant waivers, etc.).
  • Strong understanding of 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

  • Strong 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

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

Languages: French and English

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.

Due to US Federal Securities law applying to this position, candidates who apply 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”).

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