Senior Credit Risk

ABOUT THE JOB Reference 25000IVS 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, 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 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 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 credit analyst in a corporate and investment banking entity or related field Bachelor’s degree from 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 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: 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 and personal spending accounts with eligible reimbursement categories 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. Culture and Diversity statements and notices are included as part of the posting details. 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. Diversity and Inclusion: Societe Generale is an equal opportunity employer and is committed to recognizing and promoting the talents and achievements of our employees and staff, regardless of race, religion, color, national origin, sex, disability, age, gender, sexual orientation, or any other protected characteristic. Seniority level Not Applicable Employment type Full-time Job function Finance and Sales Industries: Financial Services and Investment Banking #J-18808-Ljbffr