Lead Credit Analyst - FAI

DEPARTMENT DESCRIPTION

GLOBAL BANKING AND ADVISORY (GLBA) /Credit Portfolio Management – Financial Assets and Insurance (GLBA/CPM/FAI). The mission of CPM/FAI is to provide credit analysis and manage the credit relationship with clients of FAI.  This position has a focus on Financial Institutions (Funds, Asset Manager, Banks, Brokers, Insurance and NBFIs) located in the Asia Pacific. 

MAIN ACCOUNTABILITIES

The individual will be responsible for credit analysis of existing or new financial institution clients/counterparties related to the following industries: banks, brokers, insurance companies, asset managers, regulated funds, pension funds; and private equity funds. Products lines encompass OTC derivatives, prime services products, foreign exchange, repo, securities lending and structured transactions.  Clients may also require committed loan facilities.  Day to day responsibilities include:

·         Process credit requests in a timely manner to meet business deadlines and maintain the annual review cycle.

·         Research and analyze financial data on the client to prepare high quality analysis in credit applications that address client credit risk and transaction risk.

·         Conduct sector research covering Asia Pacific to support the analysis.

·         Develop strong credit judgment skills when recommending credit facilities, taking into consideration facility size, tenor, and suitability for client.

·         Propose obligor ratings using our internal rating tools.

·         Manage key components of counterparty credit administration such as internal ratings, trading documentation (ISDA/CSA, GMRA, GMSLA, GTB), and credit risk limits.  Become knowledgeable of credit terms for legal documents and follow up with legal department on negotiations.

·         Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality.

·         Monitor exposure and manage credit limit exceptions. Adapt to ongoing accounting and regulatory changes that affect credit limits and exposure.

·         Coordinate all aspects of a credit request, liaising with legal staff, Risk Division and relevant parties. 

·         Assist in special credit related assignments and projects, as required.

COMPETENCIES

Required:

·         Ability to organize time and manage deliverables to deadlines.

·         Ability to identify and accommodate shifting priorities with little notice

·         Ability to analyze and evaluate counterparty risk and financial condition based utilizing quantitative and qualitative data. 

·         Acquire ability to complete work with minimal or no supervision

·         Possess a high degree of enthusiasm and energy to learn a variety of financial institution industry sectors.

·         Ability to work in a team environment, interfacing with team members, front office bankers and salespersons, risk team, and clients.

TECHNICAL SKILLS

Required:

·         Proficiency using Word for written analysis and Excel for spreadsheet analysis

·         Ability to acquire knowledge of 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 result(s)

·         Ability to write concisely and in a way that conveys analysis and conclusions without minimal follow-up questions

·         Develop competency with SG’s internal systems.

 Desired:

·         Knowledge of capital markets/traded products and committed financing facilities

·         Knowledge of Asian Banking Industry.

·         Advanced Excel skills, such as macros and pivot tables.

We are committed to creating a diverse environment and are proud to be an equal opportunity employer. All qualified applicants receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status”.

At Société Générale, 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.

“Commitment and adherence to ESG practices of the organisation and endeavour to reduce the carbon footprint and sustainable practices”