Senior Credit Analyst - Corporates

Permanent contract|Bangalore|Asset Management

Senior Credit Analyst - Corporates

Bangalore, India Permanent contract Asset Management

Responsibilities

Conducting a thorough and comprehensive credit assessment of counterparty's credit profile, proposing internal Obligor Ratings (OR) and submitting the written recommendation for approvals to SG's risk department (RISQ). Also involves continuous monitoring of credit profile and OR.

Functional -
● Good conceptual knowledge on accounting fundamentals.
● Good knowledge on financial and banking products.
● Good understanding of rating methodologies.
● Bloomberg and Reuters functional knowledge.

Behavioral -

  • Result Orientation
  • Client Focus
  • Contribution to Strategy
  • People Development
  • Change leadership
  • Cooperation
  • Team Leadership

Profile required

● Responsible for evaluating the financial performance of large corporate clients by spreading financial statements in standard templates, analysing economic conditions and industry trends, comparing counterparty performance relative to peers, client strategy and management assessment, incisive financial statement analysis using financial ratios, templates and models, complete covenant compliance, financial projection, SWOT analysis, providing a near-term outlook and credit recommendation;
● Responsible for the accuracy of internal risk ratings and inputting financial and economic data in SG’s rating system;
● Managing credit limit database and exposures, to ensure that they are consistent with the bank’s needs and objectives;
● Working closely with onshore Analysts and Credit Officers in respective regions to evaluate risk and to monitor a client portfolio;
● Responsible to research, write and present financial and industry analysis impacting credit decisions and submit the documents for approval; and
● Participate in process improvement initiative of the team.

Why join us

Education: Minimum Qualification: Post Graduation degree [MBA/ CA/ CFA (International)/ FRM]
Desired: [CFA (International)/ FRM]

Experience: 2 to 6 years

Role: Credit Analyst

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: 210010W8
Entity: SG Global Solution Centre
Starting date: 2022/04/04
Publication date: 2022/01/05
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