Credit Risk Officer - Real Estate

 New York, United States       Permanent contract        Risks


The senior credit analyst (VP) position requires the candidate to analyze, approve / recommend approval and subsequently monitor the credit risk on a portfolio of commercial real estate exposures.  Credit requests to be concentrated on commercial real estate lending, though responsibilities may include other industries and financing structures. SG’s real estate activities include balance sheet lending, CMBS origination/distribution, CMBS repo, first mortgage repo and unsecured REIT lending.


For the portfolio of clients under the Senior Credit Analyst’s responsibility, day to day responsibilities include but are not limited to the following:

  • Credit assessment of the credit requests presented by the business units
    • Review/analysis of the credit requests
    • Document recommendation for final decision
  • Ongoing monitoring of the credit quality of the portfolio (portfolio review/watch and early detection of deteriorating credits)
    • With individual credits, through the annual review process and validation of risk ratings
    • On a portfolio basis, by monitoring the quality of the portfolios as a whole
    • Participation in the quarterly watch list review process
    • Completion of various reporting requirements for RISQ management
  • Contribution to Bank’s credit policy guidelines
  • Participate in setting the global risk appetite for CMBS and Commercial Real Estate activities (incl. secured and unsecured lending activities to Real Estate obligors)

Profile Required



  • Strong credit background
  • Analytical background
  • Understanding of U.S. Commercial Real Estate and CMBS markets.



  • Strong writing skills
  • Good negotiating skills
  • Ability to work under pressure and to meet tight deadlines. Effective management of priorities



  • 7+ years working in a Credit Risk or similar role in U.S. Commercial Real Estate and CMBS markets
  • Prior credit approval delegation experience



  • Bachelor’s Degree or equivalent


Master’s Degree or equivalent 

Risk Management 

Employees should understand the institution’s approach to risk management and their respective roles in supporting a strong risk culture, as outlined in the SGUS Operations Enterprise Risk Management Framework. 

Our Culture 

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. Société Générale 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. 

Business Insight

Société Générale Corporate & Investment Banking (GBIS) is the third largest investment bank in the European Economic Area and is present in more than 75 countries around the world.


The RISQ Division's mission is to contribute to the development of the SG Group's activity by facilitating the objectives of the Business Lines while maintaining independent oversight through risk evaluation and monitoring. The RISQ division in the US supports all the activities in the Americas Region (US, Canada and Latin America), which is almost exclusively GBIS-oriented. 

RISQ/CIB oversees the management of credit related to corporates, financial institutions and sovereign counterparties as well as country risk for all of the Group's activities.

RISQ/CIB's duties include setting specific credit policies for each of the main businesses in conjunction with General Management, the businesses lines and other RISQ divisions where appropriate. These credit policies establish (i) the general criteria for the acceptability of credit requests for each client category and/or type of facility, and (ii) exposure limits.

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.

Job code: 200003VA
Starting date: Immediate
Date of publication: 12/02/2020
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Credit Risk Officer - Real Estate

Permanent contract   |   New York   |   Risks