Credit Analyst-FIG

Main Accountabilities

The candidate should have expertise in credit analysis and supporting ratios and metrics, and regulatory matters.  Product lines encompass OTC and listed derivatives, foreign exchange, repo, structured transactions, and committed lending facilities. Day to day responsibilities include but are not limited to:

• Conduct first level credit analysis for Financial Institutions (ex-Hedge funds) counterparts by preparing concise, critical and well supported credit proposals. 
• Recommend credit limits in a partnership relationship with bankers/sales/structuring team based on the bank’s risk appetite and client’s credit profile.
• Conduct periodic credit facility renewal and maintain clear and updated documentation in all credit files including financial statements, financial spreading, credit applications, validation records, internal and external correspondence.
• Expedite and monitor the credit approval process by liaising with bankers/sales/structuring team and approval officers.
• Review and assess counterpart’s credit risk rating at least annually, or as driven by special events, based on internal and external ratings and analytical tools.
• Manage a portfolio of FI counterparties keeping credit files up to date, covering Asian countries, particularly in Japan.
• Be actively involved in the preparation/negotiation of capital markets legal documentation, including ISDA, VMCSA, GMSLA, GMRA, JSDA, etc.
• Keep a constructive and regular flow of communication with Front Officers to help them build deals in a sustainable way from the risk point of view, and to be informed timely of any relevant event on the Bank’s commercial side.
• Ability to speak to internal and external interlocutors at senior levels and provide CPM’s recommendation with relevant supporting grounds.
• Report significant business events, financial trends, industry developments and other relevant issues relating to financial position of clients.
• Support local branch regulatory requirements including contributions to the local Risk Management Committee, local overshoot monitoring, local provisioning report, BOJ/FSC derivative reporting as well as other local branch or regulatory tasks that may be required
• Assist in special credit related assignments and projects, as required.
   

Competencies

• Ability to organize time and manage deliverables to deadlines
• Anticipation, quick reaction, ability to work under pressure
• Ability to identify and accommodate shifting priorities with little notice
• Ability to complete work with minimal or no supervision
• Possess a high degree of enthusiasm and energy to fulfill job requirements and to possibly gain exposure to other non-bank financial institution sectors.
• Ability to work in a team environment, interfacing team members, front office bankers and salespersons, risk team, and clients.

Technical Skills

• Ability to analyze and evaluate counterparty risk and financial condition utilizing quantitative and qualitative data.  
• Knowledge of capital market products including equity derivatives products, ISDA (International Swaps & Derivatives Association) /CSA (Credit Support Annex) documentation, GMRA, GMSLA, trade finance, asset backed financing is a definite advantage.
• Good command of both English and Japanese.
• Sound knowledge of the regulatory and business environment in Japan.
• Mature, self-learning, good communicator and co-operative work behavior to engage various stakeholders.

Prior Work Experience

• 5+ years of solid experience in financial institutions counterparty risk credit analysis
• Bachelor’s degree from accredited university

Languages

• Fluency in English
• Fluency in Japanese (mandatory)
   

You will become a member of the Credit Management Group based in Japan. Reporting to the Head of Credit Management Group (Financial Institutions “FI”), Asia Pacific in Hong Kong, you will provide balanced and objective credit assessments to business requests and assume full analytical responsibility to support the overall credit approval process for target and existing FI clients.

Credit Management Group is the analytical platform of Corporate and Investment Banking supporting front office by providing counterparty risk assessment on a transversal basis and client facing as required.

Department Description

The Credit Management department (CPM) lies within Global Banking and Advisory (GLBA) of Societe Generale. The mission of CPM is to provide credit analysis and manage the credit relationship with clients of the Financial Institution Group and Global Markets sectors.