Credit Analyst – Middle East – M/W

Permanent contract|United Arab Emirates|Risks

Credit Analyst – Middle East – M/W

United Arab Emirates Permanent contract Risks


             Societe Generale Group’s services in the Middle East include Corporate and Investment Banking and Trade Finance (Securities Services):

For nearly two decades, SG CIB has been committed to supporting the Middle East’s governments, corporates, financial institutions and investors. We deliver worldwide expertise in Investment Banking, Global Finance and Global Markets. At Societe Generale Corporate & Investment Banking, nearly 12,0001 professionals in more than 37 countries connect entrepreneurs, large corporates, financial institutions, governments and investors with capital markets, and provide financing, investment and risk management solutions. Across Europe, the Middle East & Africa, the Americas and Asia Pacific, we are using skill, innovation and global reach to tailor high-end solutions for our clients.


Identify credit related risks, perform corporate analysis and write credit applications, focused on the corporate part of SGCIB Dubai portfolio.

Tasks and responsibilities:

  • Credit management and monitoring of a portfolio of Middle East corporates being in a position to advise on credit quality and overall exposure
  • Preparation of corporate counterparty credit analysis to include (but not limited to) industry dynamics, business profile, management strategy, financial position and projections, including non-standard situations (weak borrower or security structure, new client, highly structured facility)
  • Proposal of Corporate Counterparty Credit Ratings
  • Participation to “Watchlist” discussions and provision of recommendations in connection with clients within the portfolio
  • Liaison with the Middle East Corporate Coverage teams on the advice and structuring of corporate borrowing facilities
  • Review of credit applications received from overseas branches and subsidiaries seeking approval for exposure to local subsidiaries of clients of the Middle East Corporate Coverage teams
  • Preparation of credit memoranda in connection with breaches/amendment of covenants, general facility amendments and excess requests
  • Liaison with the relevant business line (or Middle East Corporate Coverage team) & Group Legal in connection with the preparation of ISDA and other documentation
  • Administration of the credit process and follow up of conditions of sanction
  • Participation in Client Credit Group administrative tasks
  • Ensuring effective credit analysis to provide early warning signals and allow appropriate credit decisions are taken
  • Focuses on improving asset quality by reducing NPAs of the bank
  • Implementing and managing credit risk policies and procedures which support the branch’s strategy
  • Maintaining good working relationships with coverage team, front officers and business lines, and Risk teams

Profile required

Studies & experience:

  • Bachelor’s degree in Finance/ Business Administration, MBA preferred
  • At least 2 years of banking experience including in credit analytical role Middle East experience will be an added advantage
  • Credit analyst or similar capabilities

Language skills:

  • French - advanced
  • English - advanced

Technical, operational & Soft skills:

  • Ability to articulate clear and concise credit arguments (both written and oral)
  • Maintain a knowledge of corporate and commercial bank products including corporate loans and structured financing
  • Maintain a knowledge of capital market products including derivatives in treasury and commodity products
  • Ability to work in a team environment
  • Self-motivation

Why join us

Société Générale Middle East is a multi-category bank offering every employee the possibility to have several careers in a professional career path. Internal mobility and training are two core areas we focus on, in a dynamic, prosperous and evolving context.

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, 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: 22000QU7
Entity: SG CIB
Starting date: 2023/01/01
Publication date: 2022/09/22