Junior Credit Analyst

About the opportunity:

The Real Assets and Infrastructure (“RAI”) group within Credit Portfolio Management (CPM) AMER is seeking an Analyst to be based in Société Générale’s New York office.
The role is responsible for the ongoing credit portfolio management of complex project finance transactions across The Americas, covering Energy (Conventional Power, Renewables / Battery Storage, Midstream & Downstream O/G, Energy Transition), and Metals & Mining assets.

The position focuses on post‑closing credit risk management, including transaction monitoring, review and processing of amendments, consents, and waivers, annual portfolio reviews, and close interaction with internal stakeholders across Origination (Business Lines), Risk, and Legal (among other departments).

About Credit Portfolio Management (CPM) at Société Générale:

Credit Portfolio Management (CPM) is a specialized function within Société Générale’s Global Banking and Advisory (GLBA) division. CPM oversees the bank’s credit portfolios, focusing on credit risk monitoring, portfolio optimization, and capital efficiency across a wide range of asset classes and sectors.
 

Within CPM, the Real Assets and Infrastructure (RAI) group plays a critical role in managing credit exposures related to large‑scale energy, metals & mining, and infrastructure projects. RAI is responsible for monitoring the performance and risk profile of complex project finance transactions throughout their lifecycle—from construction through ongoing operations until debt maturity. By leveraging sector expertise and applying rigorous portfolio management practices, RAI supports the successful execution of major projects while safeguarding the bank’s interests and optimizing its capital allocation.

What will you do?

As an Analyst in the CPM RAI team, you will be responsible for credit portfolio management functions across our portfolio. You will both support senior members of the CPM RAI team as well as manage your own portfolio, covering the full post‑closing lifecycle, including:

Ongoing Credit Monitoring:

• Monitor counterparties and underlying projects, including construction progress, operational and financial performance, and covenant compliance
• Identify early warning signals and contribute to Watch List designation and provisioning assessments for challenged transactions
• Participation possible in the management of stressed or underperforming credits

Credit Reviews & Risk Assessment:

• Prepare annual credit reviews, including financial analysis, cash flow model review, rating assessment, and forward‑looking risk evaluation
• Assess debt service coverage, liquidity, structural protections, and overall credit quality
• Prepare quarterly reporting for underperforming assets
• Assess and propose internal classifications and obligor ratings

• Review and process amendment, waiver, and consent requests, including analysis of proposed project and documentation changes, assessment of credit risk implications, and preparation of internal credit memoranda with recommendations

Portfolio Governance & Reporting:

• Prepare quarterly portfolio reviews, including Watch List reporting and risk commentary
• Contribute to portfolio dashboards and exposure analyses by sector, region, and risk rating
• Support regulatory reporting (including Shared National Credit and EU reporting)
• Assist in internal/external audits and examinations of portfolios from a credit risk standpoint
• Provide ad-hoc support for requests from senior team members, including preparing portfolio insights and deal-specific information

Stakeholder Engagement:

• Engage with borrowers and agents, as appropriate, on post‑closing matters including information requests, covenant compliance, and transaction‑related discussions.
• Work closely with Origination, Risk, Legal, Middle Office, Swaps, and Asset Recovery teams

What you will gain:

• Exposure to complex, large‑scale project finance transactions across the Americas
• Opportunity to further develop expertise in Energy, Energy Transition and Metals & Mining sectors
• Hands‑on experience within a global banking platform with cross‑functional collaboration
• Learning and enhancing analytical, judgment, and portfolio management skills
• Opportunity to work with AI-driven tools adopted to enhance efficiency, analysis, and decision-making in credit portfolio management 
• Innovation encouraged
• Working with, and access to, senior bankers and upper management

Must Have Skills and Qualifications:

• Minimum 6-12 months of financial services experience in Energy and/or Project Finance.
• Experience with cash flow modeling, analysis and valuation skills developed in a financial services environment; direct Project Finance modeling skills preferred
• Proficient in Microsoft Word, Excel, Powerpoint and Outlook
• Ability to effectively leverage AI‑enabled tools to enhance financial analysis, research, and documentation review, while maintaining sound credit judgment, data confidentiality, and accountability
• Financial and credit analytical skills
• Interpersonal and communication skills (including clear, concise, analytical writing)
• Problem solving and organizational skills; ability to prioritize and multitask
• Ability to work in a dynamic, deadline-focused environment
• Ability to work independently and meet deadlines; time management skills are essential
• Experience with Project Finance legal documentation
• Client management skills
• Strong written and verbal communication skills, with the ability to articulate credit views clearly and concisely

Language: High level of fluency in English (spoken and written)

Societe Generale is committed to offering an inclusive recruitment experience to all candidates. If you require any reasonable accommodations during the recruitment process, please do not hesitate to let our Recruiters know.

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. For more information about our Culture and Conduct initiatives, please visit this link (https://americas.societegenerale.com/en/careers/get-know-culture/)

DIVERSITY, INCLUSION & BELONGING (“DIB”):
Our DIB Mission: Recruit, develop, retain and advance a talented workforce that is united in our efforts to leverage our talent and further develop an inclusive environment that will enhance our competitive position and deliver innovative solutions to our clients. It seeks to foster an environment where employee differences are valued and where all employees feel engaged, supported, respected, and informed. For more information about our DIB initiatives, please visit this link: https://americas.societegenerale.com/en/careers/get-know-diversity/

COMPENSATION:
Base salary range does not include overtime pay, bonus and/or other benefits, where applicable. Actual base salary offer will vary based on skills and experience. The role is eligible for an annual discretionary bonus and includes a competitive benefits package including 401(k) plan with company match, medical/dental/vision, and other benefits for fertility, wellness, student loans and commuters.