TRAINEE: Credit Analyst

What We Offer

Your life doesn’t revolve around your job. So, find the job that revolves around your life.

The Trainee role is a full time 24-month contract with Societe Generale where you will have access to a diverse range of training materials to help you succeed, covering various aspects of businesses, including but not limited to technical skills, leadership development, communication skills, client service and relationship management. To be eligible, please ensure you have completed your qualification and will be available to work full time for the duration of Trainee contract.

Reporting to the Head of CPM/COR APAC, you will provide balanced and objective credit assessments to business requests and assume analytical responsibility to support the overall credit approval process for target corporate clients. You will also be expected to be a back-up support to our data analyst for internal reporting and statistics within our operational parameters.

Main Responsibilities:

Credit analysis

• Conduct credit analysis for corporate counterparts by preparing concise, critical and well-argued credit proposals on new request and renewals of credit facilities.
• Evaluate and make recommendation on credit limits requested from coverage team and business lines based on bank’s risk appetite and client’s credit profile.
• Conduct regular and timely annual reviews and credit facility renewals.
• Review and assess client’s obligor rating at least annually, or as driven by special events and maintain valid ratings in the Bank’s rating tool.
• Continue to improve credit file productivity and processing efficiency and respond in timely manner to credit requests.
• Expedite and manage the credit approval process by liaising with relevant approvers and RISQ officers.
• Report significant business events, financial trends, industry developments and other relevant issues relating to financial position of clients
• Back up and support other credit analysts.
• Assist in special projects or assignments as requested by team head.

Reporting

• Support for week deal flow generation, annual review tracking and monitoring, credit volume statistics and portfolio analytics. Also act as a back-up support to our data analyst within CPM. 
• Assist other credit analysts to monitor credit exposure/overshoots, concentration risk, financial covenants and credit conditions; verify data and support reporting requirements related to these areas.

Other requirements

• Comply with applicable internal credit policies, procedures and the Banks’s code of conduct
• Maintain a high level of personal integrity and uphold the bank’s ethical standard both in professional activities and personal conduct.

Candidates with outstanding performance will be considered for early conversion to permanent roles.

• Degree in relevant discipline from a recognized university (MBA or other professional qualifications such as CFA or CPA , FRM or equivalent is preferred)
• Previous experience in a role of credit risk analysis or assistant corporate relationship manager is a plus
• Solid accounting, corporate finance, and credit analysis skills
• Strong problem-solving ability with analytical thinking
• Good knowledge in data analytics and related field
• Quick learner and ability to multi-task
• Attention to detail and ability to self-check
• Basic knowledge of different bank products, particularly commercial banking/transaction banking products, treasury products
• Basic knowledge of regulatory and business environment in Greater China
• Well versed in MS Office applications (Word, Excel, VBA, Microsoft Access, PowerPoint, Copilot is a must)
• Good communication skills.  Fluent English and Mandarin Chinese language skills (both speaking and writing) are mandatory. French language skill is a plus.

Behavioral Skills

• Innovation - Thinking out of the box/Creativity: I propose new ideas and solutions
• Responsibility - Risk awareness: I am constantly on the lookout for risks 
• Responsibility - Performance: I strive for high performance
• Commitment - Sustainability: I strive to develop my skills and knowledge
• Team Spirit - Synergies: I make cooperation with colleagues in and outside my team a priority
• Team Spirit - Open mindset: I listen and share my views and my expertise in an open mode
  
   

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. Societe Generale 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. Please visit our APAC career website: https://www.societegenerale.asia/en/careers/building-your-career-with/ for more information.

Diversity, Equity & Inclusion (DE&I):

Our mission: Recruit, develop, advance, and retain a diverse workforce that is united in our efforts to enhance our competitive position and deliver innovative solutions to our clients.

Our vision:

• Engaged workforce that is demographically diverse in a way that reflects the communities in which we operate
• Inclusive culture and workplace that recognizes employees' unique needs and utilizes their diverse talents 
• Engage our community and marketplace, and position the organization to meet the needs of all its clients

Check out our DE&I initiatives: https://www.societegenerale.asia/en/careers/diversity-equity-inclusion-dei/

Societe Generale is committed to offering an inclusive recruitment experience to all candidates.  If you require any reasonable accommodations of assistance during the recruitment process, please do not hesitate to let our HR staff know.