Manager Credit Analyst - RAI

Job Description – Real Assets and Infrastructure

Role: Manager – Credit Analyst (Specialist)

Credit Portfolio Management (CPM) manages GLBA's (Global Banking & Advisory) loan book across geographies 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 on counterparties to assess their 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 minimum guidance from onshore Team Lead.

·       Deep dive into 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 changes and provide meaningful recommendations in the T&Cs as necessary to comply with SG’s risk appetite and policies with minimum onshore involvement.

·       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. Proactively highlight any matters impacting the portfolio (both credit quality of the borrowers and internal policies) by tracking newsletters, subscriptions, interactions with Bankers, clients and take appropriate actions.

·       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.

·       Ability to quickly develop good understanding of SG applications, policies, and processes.

·       Assist in other portfolio management activities, new onboardings, etc.

Skills

·       Advanced knowledge on financial analysis and understanding accounting (local GAAP and IFRS), legal, and regulatory matters governing relevant sectors.

·       Proven 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 ability to recommend mitigation strategies with minimum / no guidance.

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

·       Advanced knowledge 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.

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

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

·       Advanced level proficiency in financial modelling / forecasts for complex structures on various scenarios with minimum guidance from onshore.

·       Advanced level knowledge of MS Word, MS Excel, MS PowerPoint

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

Experience: 8 years and above

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.
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