Corporate Credit Risk Analyst

**Responsibilities**:
**ABOUT THE JOB**:
Within the Credit Management Group (“CRE”), 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 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 CRE teams in the US, Europe and Asia, business lines, Bankers, legal & compliance, operations, and Risk department.

**Profile required**:
**Skills and Qualifications**:
**Must Have**:

- 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 assessing and summarizing financial transactions (credit requests, covenant waivers, etc.)
- Strong understanding 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.
- 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.

Years of Experience: 3 years as credit analyst in a corporate and investment banking entity or related field

Education: Bachelor's degree from accredited university

Languages: English (strong written and spoken required)

**Nice to Have**:
Languages: Spanish and French

**Why join us**:
**OUR Benefits**:
**WHAT WE DO DIFFERENTLY AT SOCIÉTÉ GÉNÉRALE**

Competitive 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 family
- Various 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)

**Business insight**:
OUR CULTURE:
At Societe Generale, 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. This way, we maximize our ability to serve client needs and anticipate market changes. Societe Generale is committed to strengthening bonds with colleagues, communities, and the world in which we live, because relationships are at the heart of how we operate.

D&I:
Our Diversity & Inclusion Mission: Recruit, develop, advance, and retain a diverse workforce that is united in our efforts to enhance our competitive position and deliver innovative solutions to our clients.
- Our Diversity & Inclusion Vision:
- Engaged workforce that is demographically diverse in a way that reflects the communities in which we operate
- Inclusive culture and workplace that recognizes employees' unique needs and utilizes their diverse talents
- Engage our community and marketplace, and position the organization to meet the needs of all its clients

HYBRID WORK ENVIRONMENT:
Societe Generale offers a hybrid work arrangement that offers employees the flexibility to work remotely, as well as on-site, in order to promote interaction and collaboration with colleagues while adhering to all SG standard protocols. Hybrid work arrangements vary based on business area. The applicable Business lines will determine and communicate the work arrangements that best mee