Credit Analyst

Permanent contract|Montreal|Banking operations processing

Credit Analyst

Montreal, Canada Permanent contract Banking operations processing



Within the Credit Management Group (“CRE”), the Credit Analyst will work under the supervision of a Director - Senior Credit Analyst and will be part of a team responsible for managing a portfolio comprised of large US corporates as well as subsidiaries of non-US groups in diverse industries. The Credit Analyst will be responsible for preparing comprehensive credit analyses, reviewing legal documentation, and on-going portfolio monitoring under the supervision of the Senior Credit Analyst.


  • 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, 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 CRE teams in the US, Europe and Asia, business lines, Bankers, legal & compliance, operations, and Risk department;

Profile required


  • 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. 


  • 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.


  • 8-10 years as credit analyst in a corporate and investment banking entity or related field;
  • Bachelor’s degree from accredited university



  • Fluency in English
  • Fluency in French or Spanish

Business insight

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.

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, 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: 21000U1O
Entity: Societe Generale Capital Canada
Starting date: 2021/12/01
Publication date: 2021/10/13