Senior Credit Analyst

 Montreal, Canada       Permanent contract        Corporate Finance / Accounting

Responsibilities

Responsibilities:

  • Preparing high quality credit applications and annual reviews of corporate counterparties to assess their credit quality, recommending appropriate credit limits, terms and conditions. This includes financial statements analysis (P&L, BS, and CF), a review of the client’s strategy, its business risk, industry dynamics, competitive environment;

  • Preparing financial projections and determining debt repayment capability as well as assuring compliance with SGUS Credit Policies;

  • Proposing and updating Obligor Risk Ratings;

  • Monitoring compliance with covenants;

  • Reviewing all relevant legal documentation (i.e. credit agreements, Guaranty, ISDA, CSA) and proposing changes as necessary to comply with SGUS policies;

  • Liaising with other CCG teams in the US, Europe and Asia, business lines, Bankers, legal & compliance, operations, and Risk department;


Profile Required

COMPETENCIES

  • Strong financial analytical skills;

  • Ability to assess credit terms and conditions including financial covenants, security and collateral; 

  • Strong understanding of commercial and investment banking products;

  • Ability to work in a team including interacting with teams located in other locations (US, India, Europe);

  • Strong writing skills particularly assessing and summarizing financial transactions (credit requests, covenant waivers, etc.);

  • Strong understanding 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 results

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

    TECHNICAL SKILLS

  • Strong understanding of finance and accounting principles;

  • Experience preparing financial projections under various scenarios;

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

  • Knowledge of capital markets/traded products and committed financing facilities.

    PRIOR WORK EXPERIENCE

  • 8-10 years as credit analyst in a corporate and investment banking entity or related field;

  • Bachelor’s degree from accredited university

LANGUAGES

Required:

  • Fluency in English

    Optional:

  • Fluency in French or Spanish

Business Insight

Within the Client and Credit Group (“CCG”), the Credit Analyst will work under the supervision of a Director - Senior Credit Analyst and will be part of a team responsible for managing a portfolio comprised of large US corporates as well as subsidiaries of non-US groups in diverse industries. The Credit Analyst will be responsible for preparing comprehensive credit analyses, reviewing legal documentation, and on-going portfolio monitoring under the supervision of the Senior Credit Analyst.


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: 19000FJU
Business unit: SG CIB
Starting date: Immediate
Date of publication: 01/02/2020
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Senior Credit Analyst

Permanent contract   |   Montreal   |   Corporate Finance / Accounting