Credit Analyst

International Volunteer Program|Toronto|Corporate and Investment Banking

Credit Analyst

Toronto, Canada International Volunteer Program Corporate and Investment Banking



During your VIE mission you will be in charge of these responsibilities:

  • Prepare credit applications for annual reviews, new transactions, as well as amendments and waivers. This includes an analysis of company financial results, strategy, industry, and competitive position; preparation of financial forecasts; and identification of risks (including business, financial, reputational and credit risks) and mitigants.
  • Review legal documentation to ensure terms conform with those presented in credit applications.
  • Utilize internal tools to calculate and propose credit ratings, submit credit applications and monitor exposure.
  • Monitor the portfolio in terms of exposure, covenants, credit deterioration.
  • Liaise with other credit teams (in Canada, US, Europe, and Asia), internal business lines, relationship managers, legal and compliance departments, back-office operations, RISQ.
  • Ensure credit files are properly maintained (all approvals and sign offs are filed in the respective electronic files).

Profile required


Graduate from Engineering school, Business School or University with a master degree in Finance or related subject.

You ideally have a previous experience in financial statements analysis.

You are fluent in English.

You are proficient with Excel, Word and Power Point.

Knowledge of financial modelling is a plus.

The VIE assignment in a nutshell

This VIE in Toronto is to begin as soon as possible but you need to plan 3 months between your application date and the beginning of your VIE assignment. It will last 24 months.

The VIE is a specific contract, under Business France’s eligibility criteria, opened to candidates under 28 and from the member states of the European Economic Space.

Please see Civiweb, in order to have more details regarding your financial indemnities.

We would like to draw your attention to the fact there that your VIE mission could potentially get postponed, depending on the evolution of the health crisis and subjects to the decision made by the Crisis and Support Centre of the Ministry of Europe and Foreign Affairs (MEAE). In addition, the selected candidate will only be paid upon confirmation from Business France and arrival in the country of assignment.

To facilitate the examination of your application by our English-speaking managers, we thank you for applying in English.

Why join us

As soon as you arrive, you will be integrated into our teams and will learn every day alongside our experts, who will support you in your tasks. Gradually, you will become more independent in your projects, making this experience a real career accelerator. You will also discover all the diversity of our businesses, in a sector that is constantly evolving and innovating.

At the end of your VIE, various opportunities could be offered to you, in France and abroad.

Business insight

At Societe Generale, 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 an equal opportunities employer and we are proud to make diversity a strength for our company. Societe Generale is committed to recognizing and promoting all talents, regardless of their beliefs, age, disability, parental status, ethnic origin, nationality, sexual or gender identity, sexual orientation, membership of a political, religious, trade union or minority organisation, or any other characteristic that could be subject to discrimination.

Reference: 21000I4W
Entity: SG CIB
Starting date: 2021/09/01
Publication date: 2021/06/04