V.I.E. Credit Risk Analyst - Corporate and Provisions Management

You will Join the credit Risk Management Department , whose primary mission is to design and implement effective strategies and systems in the following areas: credit risk monitoring, debt recovery, oversight of commitments and pre-litigation. These missions align with the General Management's and the BU AFMO's objectives to optimise the recovery of client receivables while adhering to risk management principles and allocated budgets.

The VIE will be in charge of:

• Credit Risk Analysis and Evaluation (Assess credit risks for clients, counterparties and transactions)
• Handle Credit Files submitted by the Corporate Client Division and assign internal ratings
• Provide Opinions on risk proposals based on financial, economic, and sectorial criteria
• Ensure the compliance of Guarantees with previous credit agreements / Alert the corporate division on clients or operations showing signs of risk 
• Provisions Management (Conduct Monthly analysis of social IAS and IFRS 9 Provisions / Monitor compliance of Provisions) 
• Monitor provisioning levels for non performing loans (NPLs) including default rates, monthly provisioning levels (social and IAS/ IFRS9)
• Make necessary adjustments to provisions for risks and charges 
• Oversee quarterly reporting of provisions to RISQ/RBA under the supervision of service managers

Due to the VIE eligibility criteria, a questionnaire will be provided. Please make sure to answer all the questions for an efficient analysis of your application.

PLEASE NOTE that since this program is primarily an international development program, candidates cannot apply to a VIE assignment in their own country of citizenship.

To facilitate the examination of your application by our English-speaking managers, we thank you for applying in English.

Studies & experience:

• Graduate with a Master's degree from a Business/Engineering School or University with a specialization in Finance, Accounting or Risk Management
• A previous experience in credit analysis would be appreciated

Language skills:

• Fluent in English

Operational, technical & soft skills:

• Strong command of financial and accounting analysis
• In-depth knowledge of IAS/IFRS standards, particularly in IFRS 9
• Excellent written and verbal communication and presentation skills
• Proficient/Good command of MS Office

The VIE assignment in a nutshell

This VIE in Abidjan (Ivory Coast) is to begin as soon as possible, but you need to plan 3 months between your application date and the beginning of your VIE assignment. It will last 12 months.

In case a visa is necessary, please make sure your passport is valid up to 6 months after the end of the VIE contract to not delay your departure.

The VIE is a specific contract, under Business France’s eligibility criteria, opened to candidates under 28 and from the member states of the European Economic Space. For further information (including your financial indemnities), please see Mon VIE-VIA Business France.

As soon as you arrive, you will be integrated into our teams and will learn every day alongside our experts, who will support you in your tasks. Gradually, you will become more independent in your projects, making this experience a real career accelerator. You will also discover all the diversity of our businesses, in a sector that is constantly evolving and innovating.

At the end of your VIE, various opportunities could be offered to you, in France and abroad.

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.