Senior Credit Analyst

 Jersey City, United States       Permanent contract        Other job functions


SG Equipment Finance is currently seeking one senior credit analyst preferably experienced in the Industrial sector. 

SG Equipment Finance USA Corp. is seeking a qualified and self-motivated Sr. Credit Analyst with a specialty in Hard Asset financing for its office location in Jersey City, NJ. Directly reporting to the Head of Credit.  Core responsibilities include:

Transaction review:

  • Create financial spreads and perform credit analysis, identify risk factors and prepare the credit write up and recommendation.
  • Analyze personal credit information including PFS and tax returns.
  • Review the asset to be financed or leased: understand the justification of the equipment, collateral valuation, depreciation and gap analysis.
  • Support the documentation team and review document packages for final approval and funding as necessary.

Vendor review:

  • Review the vendors from a financial standpoint and participate in the due diligence on new and existing vendors.

Annual reviews: 

  • Perform annual reviews on client and vendors.


  • Handle other projects/tasks related to credit as needed.

Profile Required

Technical Skills:         

  • A detailed understanding of accounting and financial statements
  • Knowledge of  lease/ loan documentation structures.
  • Detailed understanding of the construction, machine tool and other hard asset financing products and markets
  • Proficiency in Microsoft Office products (Word, Excel).
  • Understanding of pricing.


  • Strong interpersonal, communication (written and verbal) and partnering skills. A “team” player.
  • Strong analytical, problem-solving, and organization skills.
  • Ability to multi-task and handle various ad-hoc requests.  Ability to be creative in structuring.
  • Proactive, detail-oriented, driven to work in a fast learning environment.
  • Ability to prioritize and work in a dynamic, deadline-focused environment.

Experience Needed:

  • Ten-plus years of credit experience (loan and lease structures) with middle market to global companies (hard assets, IT, medical and construction).

Educational Requirements:

  • BA/BS in Finance, Accounting or Business Administration. Formal credit training preferred.

Languages (Other than English)

  • Spanish is a plus

Business Insight

SG Equipment Finance is part of the international banking group Société Générale, one of the top ten banks in the world. SG Equipment Finance has enjoyed the number one position for equipment and vendor finance in Europe since 2002. SG Equipment Finance was established in the United States almost nine years ago and is rapidly growing into a top provider of equipment financing. The Group focuses on multinational and local vendors looking for a financing partner with an international outlook and independent equipment lessors looking for reliable funding partners.  

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: 200007UC
Business unit: SG Equipment Finance
Starting date: 06/07/2020
Date of publication: 12/06/2020
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Senior Credit Analyst

Permanent contract   |   Jersey City   |   Other job functions