Credit Risk Auditor

Credit Risk Auditor Audit / Control / Quality Permanent contract Montreal, Quebec, Canada Hybrid Reference 25000C2P Start date 2025/10/06 Publication date 2025/07/07 Responsibilities Société Generale (“SG”) is a top-tier global European bank, headquartered in France, with 120,000 employees serving some 26 million clients in more than 62 countries around the world. We have been supporting the development of our economies for more than 160 years by providing our corporate, institutional and individual clients with a broad array of value-added financial solutions and advisory services.Our longstanding relationships of trust with clients, our cutting-edge expertise, our unique ability to innovate, our ESG capabilities and our leading franchises are part of our DNA and serve our core objective: to create sustainable value for all our stakeholders. The Group operates in three complementary business areas, incorporating ESG offers for all its clients: Global Banking and Investor Solutions, the Wholesale Banking arm of SG, is a top-tier player providing large corporates and investors with tailormade solutions with unique global leadership in equity derivatives, structured finance and ESG; French Retail Banking, Private Banking & Insurance, comprises the core of retail banking, private banking, insurance activities, and the leading online banking activities; Mobility, International Retail Banking & Financial Services includes universal banks that are well-established on their local markets, Ayvens, a global player in sustainable mobility, as well as specialized financing activities.  In the Americas specifically, SG consists of and Canadian subsidiaries, branches and representative offices, as well as branches, subsidiaries and representative offices in Brazil, Chile, Mexico and other countries in Latin America relating to the Wholesale Banking Division of SG (collectively, “SG Americas”). The SG Internal Group Audit Division (IGAD) represents SG’s independent internal audit function, comprised of over 1,200 professionals covering SG's global business and services in over 150 countries. Moreover, we have a dedicated team of about 60 professionals to cover SG Americas, SG Internal Audit Americas (“SGIAA”). The team is composed of individuals with diverse backgrounds and subject matter expertise based in the New York, Sao Paulo, and the newly formed team in Montreal. SGIAA conducts independent audits of operational entities in an objective, thorough and impartial manner in line with professional standards. In addition, SGIAA assesses the compliance of the Group's operations, the effective level of risk exposure and management, the adequate enforcement of procedures and the effectiveness and relevance of the permanent control set-up.ROLE & RESPONSIBILITIES :This role offers a unique opportunity to not only contribute as a value-add member of the Audit team, but also to be a part of a new chapter in extending the Internal Audit team presence to Montreal. The Junior Credit Risk Auditor will be part of the Credit Risk Review Function of Internal Audit team and will make key contributions to Audit’s regular assessment of the adequacy and effectiveness of SG America’s Corporate business initiatives, Credit Risk and compliance with related regulations, and payments related audit units, while also having the opportunity to contribute to global Audit initiatives, innovation, and reviews.Junior Credit Risk Auditors are expected to have some credit knowledge/experience and project management skills in order to meet objectives within a pre-defined scope and timeframe. Junior Credit Risk Auditors assume a supporting role in the planning, execution, completion, and communication of credit audit missions. They should be capable of assessing the credit risk of credit portfolios with some supervision or oversight. Specifically, Junior Credit Risk Auditors should be able to Prepare clear and concise worksheets that provide sufficient support for the rating and credit profile proposed; Assist the Senior Credit Risk Auditor/Head of Mission in the preparation of quality reports assessing the business line’s overall risk profile with a focus on asset quality and credit risk management framework, performing industry and peer group analysis wherever appropriate; Contribute to inform relevant parties ( Audit, Risk, Front and Middle Office), on a timely basis, of significant findings (credit or operational) arising from the credit audit assignments; Follow up on audit issues and assess management’s corrective actions; Attend assigned Credit Watch List and other portfolio review meetings as part of the continuous monitoring of the credit portfolios; Identify opportunities for improving the credit and/or audit process and share ideas with Senior Audit Risk Auditors and Managers; Stay abreast of industry and credit trends that may impact the credit portfolio and audit planning. Profile required Required Skills and Qualifications: Candidate should have at least 3-5 years of relevant experience  Analytical skills: ability to assess credit exposures and portfolio quality, credit risks, trends, and /controls using data analytic tools. Communication: good written and verbal communication skills and the ability to maintain independent but collaborative working relationships with management. Project management - ability to organize work to meet deadlines. Team work / Cooperation: Involve and collaborate with others; share information; search for win/win solutions; manage conflict. Ability to work independently. Some knowledge of credit risk, commercial lending and structured finance related products and processes with emphasis on corporate and investment banking activities. Experience in credit risk management and financial analysis. Good knowledge of Data Analytics tools Some knowledge of Internal Audit principles, methodologies, and tools would be appreciated. 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.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)