TRAINEE: Credit Analyst

Responsibilities:

Credit Risk and Portfolio Management

• Performing detailed annual/semi-annual/quarterly credit reviews
• Prepare and process waivers and amendments to loan documentation
• Analyse historical financial statements
• Report on the construction progress or operating performance of the assets financed
• Run sensitivity analysis on financial forecasts and models
• Identify industry trends
• Assess country, market and environmental risk
• Liaise with other departments within the bank (front office, back office, credit risk etc.) as well as external contacts (borrowers, other banks, advisers ie legal, technical, valuers and insurance.)

Culture and Conduct, Compliance 

• By identifying and managing conduct risks and incidents and systematically processing their root causes, so as to prevent them happening in the future
• By ensuring that deadlines (including for mandatory trainings, controls performance or regulatory recommendations) are met and that mandatory tasks are of high quality
• By adhering to GLBA and compliance policies and procedures, and when interacting with external partners/vendors, customers, and colleagues
   

Profile Requirements:

Studies & experience:

• Graduate with a Master’s degree from Business/Engineering School or University with a specialization in Finance/Economics/Accounting
• Previous experience in the energy and power, metals and mining, infrastructure and real estate sectors /or exposure to credit analysis would be highly appreciated

Language skills:

• Fluent in English

Technical, operational & Soft skills:

• Proficient/Good command of MS Office (Word, Excel, and PowerPoint)
• Highly developed written and oral communication skills
• Advanced analytical skills with attention to detail and accuracy
• Excellent understanding of accounting concepts, financial statements, cashflows, and corporate finance valuation
• Experience in looking at financial statements to perform in-depth company analysis/valuation
• Self-motivation with a strong work ethic and ability to function independently as well as part of a team
• The ability and willingness to prioritize effectively and work on multiple projects with competing deadlines
• The candidate should be reliable, quality-oriented, and able to excel in fast-paced, pressure-oriented environments
• Excellent organizational, communication, and analytical skills will be the keys to success in this role
• Excellent interpersonal skills and strong desire to learn from senior member of the team
• Demonstrates reliability, thoroughness, and timeliness while completing assignments, adheres to deadlines, and communicates effectively when questions arise

Behavioral Skills

• Client - Client focus: I nurture a long-term relationship with the clients/internal partners
• Client - Risk/Vigilance: I seek out the greatest benefit for clients/internal partners while ensuring that the Group’s risks are properly managed 
• Team Spirit - Open mindset/Respect: I listen and share my views and my expertise in an open mode
• Responsibility - Courage: I express my convictions and make decisions with courage in line with the Group's strategy
• Innovation - Thinking out of the box/Creativity: I encourage and demonstrate positive out of the box thinking
• Team Spirit - Open mindset/Respect: 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.

Department Description

• Disciplined and active portfolio management of Global Finance and Advisory ("GLBA") books across APAC region, best-in-class risk management and contributor to operational efficiency
• Enhance stewardship of scarce resources, liquidity and capital   
• Close interaction with business line and syndication teams to facilitate client business development.
• Close interaction with partners in particular Credit, Finance, Compliance and Operations.  
• In line with the Group CSR Ambitions, fully embed the GLBA ESG strategy in the day-to-day management of the business and monitor ESG commitments & trajectories