Senior Credit Risk

Senior Credit Risk Risks Permanent contract Montreal, Quebec, Canada Hybrid Reference 25000IVS Start date 2025/12/01 Publication date 2025/10/07 Responsibilities 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. On the one hand, our transversal, product-neutral coverage teams span all businesses to promote the bank's products and services to our clients globally, and on the other, we provide 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 on-going 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, competitive environmentPreparing financial projections and determining debt repayment capability as well as assuring compliance with SGUS Credit PoliciesProposing and updating Obligor Risk RatingsMonitoring compliance with covenantsReviewing all relevant legal documentation ( credit agreements, Guaranty, ISDA, CSA) and proposing changes as necessary to comply with SGUS policiesLiaising with other CPM teams in the US, Europe and Asia, business lines, Bankers, legal & compliance, operations, and Risk department Profile required Skills and Qualifications:COMPETENCIESStrong financial analytical skillsAbility to assess credit terms and conditions including financial covenants, security and collateralStrong understanding of commercial and investment banking productsAbility to work in a team including interacting with teams located in other locations (US, India, Europe)Strong writing skills particularly assessing and summarizing financial transactions (credit requests, covenant waivers, etc.)Strong understanding the accounting, legal and regulatory issues governing relevant sectorsAbility to investigate/research/synthesize data and make appropriate conclusions as to what is causing the observed resultsAbility to analyze and evaluate counterparty risk and financial condition utilizing quantitative and qualitative dataTECHNICAL SKILLSStrong understanding of finance and accounting principlesExperience preparing financial projections under various scenariosProficiency using Word for written analysis and Excel for spreadsheet analysisKnowledge of capital markets/traded products and committed financing facilitiesPRIOR WORK EXPERIENCE8-10 years as credit analyst in a corporate and investment banking entity or related fieldBachelor’s degree from accredited universityLanguages: French and EnglishAbility 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 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”). Why join us OUR BENEFITS:WHAT WE DO DIFFERENTLY AT SOCIÉTÉ GÉNÉRALECompetitive 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 familyVarious Employee Resource Groups (ERG) to engage with such as Pride and Allies, American Women Network, Black Leadership Network, One planet, etc.A 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)