Lead Credit Analyst - FAI (Funds)

DEPARTMENT DESCRIPTION

GLOBAL BANKING AND ADVISORY (GLBA) /Credit Portfolio Management – Financial Assets and Insurance (GLBA/CPM/FAI). The mission of CPM/FAI is to provide credit analysis and manage the credit relationship with clients of FAI.  This position has a focus on Financial Institutions (Funds, Asset Managers, Agent Lenders and other NBFIs).    

MAIN ACCOUNTABILITIES

The individual will be responsible for credit analysis of existing or new financial institution clients/counterparties related to the following industries: agent lenders, asset managers, regulated funds, pension funds; other NBFIs. Products lines encompass OTC derivatives, prime services products, foreign exchange, repo, securities lending and structured transactions.  Clients may also require committed loan facilities.  Day to day responsibilities include:

·         Process credit requests in a timely manner to meet business deadlines and maintain the annual review cycle.

·         Research and analyze financial data on the client to prepare high quality analysis in credit applications that address client credit risk and transaction risk.

·         Conduct sector research to support the analysis.

·         Develop strong credit judgment skills when recommending credit facilities, taking into consideration facility size, tenor, and suitability for client.

·         Propose obligor ratings using our internal rating tools.

·       Manage key components of counterparty credit administration such as internal ratings, trading documentation (ISDA/CSA, GMRA, GMSLA, GTB), and credit risk limits.  Become knowledgeable of credit terms for legal documents and follow up with legal department on negotiations.

·         Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality.

·         Monitor exposure and manage credit limit exceptions. Adapt to ongoing accounting and regulatory changes that affect credit limits and exposure.

·         Coordinate all aspects of a credit request, liaising with legal staff, Risk Division and relevant parties. 

·         Assist in special credit related assignments and projects, as required.

Required:

·         Ability to organize time and manage deliverables to deadlines.

·         Ability to identify and accommodate shifting priorities with little notice.

·         Ability to analyze and evaluate counterparty risk and financial condition based utilizing quantitative and qualitative data. 

·         Acquire ability to complete work with minimal or no supervision.

·         Possess a high degree of enthusiasm and energy to learn a variety of financial institution industry sectors.

·         Ability to work in a team environment, interfacing with team members, front office bankers and salespersons, risk team, and clients.

Required:

·         Proficiency using Word for written analysis and Excel for spreadsheet analysis.

·         Ability to acquire knowledge of 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 result(s).

·         Ability to write concisely and in a way that conveys analysis and conclusions without minimal follow-up questions.

·         Develop competency with SG’s internal systems.

Desired:

·         Knowledge of capital markets/traded products and committed financing facilities.

·         Knowledge of Asset Management and Banking Industry.

·         Advanced Excel skills, such as macros and pivot tables.

PRIOR WORK EXPERIENCE

Required:

·         5+ years of overall credit analysis experience preferably in Financial Institution / Funds space.

EDUCATION

Required:

•              Required: Post-Graduate (in Finance) / CA degree from accredited university.

LANGUAGES

Required:

Fluency in English, both written and verbal.

At Société Générale, we are convinced that people are drivers of change, and that the world of tomorrow will be shaped by all their initiatives, from the smallest to the most ambitious. Whether you’re joining us for a period of months, years or your entire career, together we can have a positive impact on the future. Creating, daring, innovating, and taking action are part of our DNA. If you too want to be directly involved, grow in a stimulating and caring environment, feel useful on a daily basis and develop or strengthen your expertise, you will feel right at home with us!

Still hesitating?

You should know that our employees can dedicate several days per year to solidarity actions during their working hours, including sponsoring people struggling with their orientation or professional integration, participating in the financial education of young apprentices, and sharing their skills with charities. There are many ways to get involved.

We are committed to support accelerating our Group’s ESG strategy by implementing ESG principles in all our activities and policies. They are translated in our business activity (ESG assessment, reporting, project management or IT activities), our work environment and in our responsible practices for environment protection.