Senior Credit Analyst - RAI

Job Description – Real Assets and Infrastructure

Role: Senior Credit Analyst (Individual Contributor)

Credit Portfolio Management (CPM) manages GLBA's (Global Banking & Advisory) loan book globally with the objective to enhance capital optimization and disciplined portfolio management. We are seeking dynamic and analytical individuals to join our CPM – Real Assets and Infrastructure (RAI) Team, covering diverse business areas including Power, Infrastructure, Mining, Oil & Gas Reserve Base Finance, Leverage Finance, TMT, and Real Estate across AMER, UK and Europe.

Key Responsibilities include:

·       Preparing credit applications for Annual Reviews, Semi-Annual / Quarterly Reviews, Amendments & Waivers requests to assess counterparties’ credit quality and assign ratings.

·       Cover key aspects in the reviews including but not limited to Company / Industry Analysis, analysis of sector specific KPIs; sources of repayment (identify, analyze and qualify); detailed analysis of historical financials, rating proposal, leverage lending calculations, risk & mitigants, financial projections and comparing actual results with Company budget and SG Projections, repayment capacity based on the projections, guarantee / collateral analysis, highlighting Early Warning Signals and watchlist applicability, Unlikeliness to Pay events and final recommendation with guidance from onshore Team Lead.

·       Outline terms & conditions of the relevant legal documentation (i.e. Credit Agreements for Syndicated and Bilateral facilities, Reimbursement agreements, Guaranties, ISDA, CSA) and identify the underlying risks associated with a transaction. Discuss with onshore the impact of changes in the T&Cs as necessary to comply with SG’s risk appetite and policies and incorporate them into your analysis.

·       Manage RWA parameters of transactions and ensure correct system input.

·       Perform ongoing monitoring of client credit quality including but not limited to monitoring covenants, calculating covenant cushions and other early warning signals.

·       Assure all reviews and obligor risk ratings of assigned portfolio are done within prescribed timelines.

·       Assure post approval activities and other credit related tasks are completed on time.

·       Interact regularly with onshore stakeholders on deliverables and timelines and deliver as per expectations.

·       Ensure compliance with all applicable regulatory requirements and credit policies for the portfolios assigned.

·       Be proactive to take up ad-hoc and complex assignments while not impacting the scheduled annual reviews.

·       Develop fair understanding of SG applications, policies, and processes.

Skills

·       Adequate financial analytical skills and understanding of accounting (local GAAP and IFRS), legal, and regulatory issues governing relevant sectors.

·       Experience in project finance / structured finance transactions including but not limited to LTV analysis, cash flow projections, assessment of counterparty’s repayment capacity and strength of the guarantors / collateral; and recommend mitigation strategies with guidance from onshore leads.

·       Ability to understand complex financial models and assess ongoing viability of the projects. Familiarity with contracts [including but not limited to Engineering, procurement, and construction (EPC), Operations and Maintenance (O&M) and Power Purchase Agreements (PPA)] and understanding of legal structures related to project finance.

·       Reasonable understanding of various legal agreements (term sheets, Credit Agreements, ISDA & CSA, GMRA, GMSLA, SBLC agreement) and ability to evaluate the strength of the credit terms, financial covenants, security, and collateral.

·       Fair knowledge of capital markets / traded products, commercial financing facilities and investment banking products.

·       Report writing skills particularly assessing and summarizing financial transactions (credit requests, covenant waivers, etc.) to arrive at meaningful recommendations.

·       Ability to prepare financial models / forecasts for complex structures on various scenarios with guidance from onshore.

·       Proficiency in MS Word, MS Excel, MS PowerPoint

·       Knowledge of market data tools like Thomson Reuters, Capital IQ, Bloomberg, SNL, etc. is recommended.

Experience

·       2 to 6 years

We are committed to creating a diverse environment and are proud to be an equal opportunity employer. All qualified applicants receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.

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.

Commitment and adherence to ESG practices of the organization and endeavor to reduce the carbon footprint and sustainable practices.