Senior Credit Analyst

Your daily missions DEPARTMENT DESCRIPTION

Global Banking and Advisory (GLBA) combines the coverage of large corporations with leading expertise in financing and advisory within a single team.

Overview of GLBA: We offer our issuer clients (corporations, financial institutions, public sector) capital raising solutions, as well as structured financing solutions and coverage of commodity, currency, and interest rate risks. Through the development of bespoke products and strategic advisory (equity structure advice, financing schemes and capital markets), based on our global expertise and deep sector knowledge, we seek to meet their financing needs. We are a leading player on the euro bond markets and have received numerous international awards over the years as a global leader in export, project, as well as natural resources and energy financing.

Overview of Credit Portfolio Management (CPM): The CPM manages the assets held within GLBA. The CPM is structured around three pillars: (i) corporations (investment grade and non-investment grade), (ii) real assets (real estate, energy, infrastructure, etc.), and (iii) financial assets (capital call facilities, intermediate market loans, etc.). The CPM actively manages the GLBA portfolio to maximize profitability and contribute to generating investment banking ideas in the areas of mergers and acquisitions (M&A), equity capital markets (ECM), and leveraged finance for new transactions. We approve all transactions integrated into the portfolio and actively collaborate with investors to support the distribution of the portfolio across different asset classes.

RESPONSIBILITIES INCLUDE BUT ARE NOT LIMITED TO

• Manage a portfolio of large North American client corporations in a designated sector [TO BE DETERMINED].
• Prepare high-quality credit applications and annual reviews for the assigned portfolio, and recommend appropriate credit limits, terms, and conditions. This includes analyzing financial statements (income statement, balance sheet, and cash flow statement), reviewing the client's strategy, commercial risk, sector dynamics, and competitive environment.
• Prepare and review financial forecasts, assess the debt repayment capacity, and ensure compliance with SGUS credit policies.
• Propose and update debtor risk ratings (Obligor Risk Ratings).
• Ensure active monitoring and analysis of credit risks (tracking covenant compliance, managing unlikely-to-pay events, reporting financial ratios and other key indicators, etc.).
• Review all relevant legal documentation (credit agreements, guarantees, ISDA, and CSA) and propose necessary modifications to ensure compliance with SGUS policies.
• Contribute to the CPM's mission in terms of capital efficiency, asset turnover, portfolio coverage, and profitability optimization.
• Collaborate with other CPM teams in the United States, Europe, and Asia, as well as with business lines, bankers, legal and compliance teams, operations, and the risk department.
• Responsibilities and functions associated with this position may evolve over time to meet the changing needs of the company and the continuous development of the role.
• So, would it be you?
• COMPETENCIES ·
• Strong financial analysis skills;
• Ability to evaluate credit terms and conditions, including financial covenants, guarantees, and collateral;
• Excellent understanding of commercial and investment banking products;
• Ability to work in a team, particularly in collaboration with teams located in other regions (United States, India, Europe);
• Excellent writing skills, particularly for evaluating and synthesizing financial transactions (credit applications, covenant waivers, etc.);
• Good understanding of the accounting, legal, and regulatory issues governing the relevant sectors;
• Ability to research, analyze, and synthesize data, and draw relevant conclusions on the factors explaining the observed results;
• Ability to analyze and evaluate counterparty risk and financial health using quantitative and qualitative data.

TECHNICAL COMPETENCIES

• Strong understanding of finance and accounting principles;
• Experience in preparing financial projections under different scenarios;
• Proficiency in Word for analytical writing and Excel for data analysis and spreadsheets;
• Knowledge of capital markets, traded products, and financing facilities.
• PREVIOUS PROFESSIONAL EXPERIENCE ·
• 8 to 10 years of experience as a credit analyst within a financing and investment bank, commercial bank, or related field;
• Bachelor's degree obtained from an accredited university.
• Language(s): French, English

*The ability to communicate in English, both orally and in writing, is a requirement since the person occupying this position will need to regularly collaborate with colleagues and partners located in the United States.* *Due to the application of the U.S. Securities and Exchange Commission (SEC) rules to this position, candidates applying for this position will be subject to a thorough background check, including fingerprint collection by a third-party vendor selected by the Financial Industry Regulatory Authority (FINRA).*

More than a job, a launchpad OUR BENEFITS:

WHAT WE DO differently AT société générale

• Competitive compensation and benefits package, including but not limited to:
• Minimum of 20 days of vacation + 4 days of personal leave
• + Parental leave policy supporting maternity, paternity, parental, and adoption leave

+ Health and personal expense accounts ($2,000/year for health expenses and $1,000/year for personal expenses with over 75 eligible reimbursement categories (health, education, electronics, etc.)) + Fully sponsored virtual medical assistance and employee assistance program for you and your immediate family

• Various employee resource groups (ERGs) to connect with, such as Pride and Allies, American Women Network, Black Leadership Network, One planet, etc.
• A culture of continuous development by encouraging our employees to participate in various training programs (online training and coaching platform like Coursera, GoFluent, Pluralsight, First Finance, etc.)
• Why choose us?

Société Générale is committed to offering an inclusive recruitment experience to all candidates. If you require reasonable accommodation measures during the recruitment process, please inform our recruitment team.

OUR CULTURE:

At Société Générale, we live by our 4 core values: commitment, responsibility, team spirit, and innovation. We are committed and show consideration for others. We act ethically and with courage. We focus our talent and energy on collective success. We experiment and propose new ideas. Thus, we maximize our ability to meet customer needs and anticipate market changes. Société Générale is committed to strengthening our connections with our colleagues, communities, and the world in which we live, as relationships are at the heart of our operations.

For more information on our Culture and Conduct initiatives, please visit this link ...

D&I:

Our mission in diversity and inclusion: Recruit, develop, advance, and retain a diverse workforce united in our efforts to improve our competitive position and offer innovative solutions to our clients.

Our vision of diversity and inclusion:

• An engaged and diverse workforce demographically, culturally, and professionally;
• A culture of inclusion that values and respects differences;
• A commitment to fostering an environment where all employees can thrive and reach their full potential;
• A focus on creating a workplace that is accessible, equitable, and welcoming to all.

Our commitment to diversity and inclusion is reflected in our hiring practices, employee development programs, and corporate culture. We believe that a diverse and inclusive workforce is essential to our success and to the success of our clients.