Credit Analyst (m/f/d)

Permanent contract|Frankfurt am Main|Risks

Credit Analyst (m/f/d)

Frankfurt am Main, Germany Permanent contract Risks


  • You will build up and develop expertise related to the development of allocated industries and sectors.
  • Part of your role will be the processing of credit requests submitted to Frankfurt as responsible PCRU by SG Group’s global network).
  • The preparation of credit applications that are "ready for decision", which have to be submitted to and decided at the respective level of delegated lending authorities belongs to your tasks.
  • It is also part of your job to update corresponding Corporate Credit analyses regularly, including well-funded calculations of risk concentration, cash flow projections, as well as proposals of an internal Obligor Rating.
  • You will monitor the existing allocated credit portfolio.
  • You will cooperate closely with Senior Bankers and Client Relationship Managers from Coverage and Investment Banking as well as with Business and Product Lines.
  • Ensuring effective and efficient work as well as interaction with other local and international departments and Business Lines within SG Group is also an important part of your job.
  • You will participate in optimization of processes, ensuring quality standards and improving efficiency.

Profile required

Experience and technical skills:

  • University degree in economics, finance or business administration, or a bank apprenticeship with advanced training.
  • 5 or more years of professional experience in the area of credit analysis including Cash Flow analysis at a Corporate or Investment bank is mandatory.
  • Past exposure to the specific challenges related to LargeCap and MidCap Corporate clients  is a Plus.
  • Sound knowledge in balance sheet analysis as well as in accounting rules (IFRS/IAS, US-GAAP and HGB [the German Commercial Code]).
  • Relevant knowledge in the area of cash flow analysis, financial projections and peer group comparison.
  • Experience in the area of risk analysis as well as – if possible – good knowledge of SG’s internal credit approval processes.
  • Good know-how in innovative commercial products of corporate financing with focus on the German-speaking investment banking market.
  • Profound knowledge of LargeCap and MidCap Corporate clients in Germany / Austria / Switzerland is desirable.
  • Fluency in both English and German language (oral and written) is required; French language capabilities facilitate communication with Head Office.

Personal Abilities/ Competencies:

  • Team player mentality
  • Ability to work and cooperate in a young team in an international environment
  • Flexibility
  • Good organisational skills
  • Ability to work under pressure
  • Willingness to take over responsibility

Why join us

Does this postion sound interesting to you? We look forward to receiving your CV with a cover letter and all relevant certificates.

Business insight

Société Générale is one of the largest European financial services groups. Based on a diversified universal banking model, the Group combines financial solidity with a strategy of sustainable growth, and aims to be the reference for relationship banking, recognized on its markets, close to clients, chosen for the quality and commitment of its teams. More than 147,000 employees, based in 67 countries, accompany 31 million clients throughout the world on a daily basis.

As Credit Analyst you will autonomously manage an allocated credit exposure portfolio related to LargeCap and / or MidCap Corporate client groups domiciling in Germany, Austria or Switzerland.

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: 210008D4
Entity: SG CIB
Starting date: 2021/05/01
Publication date: 2021/03/17