Financial Institution - Financial Sponsors, Structured Credit Senior Credit Officer

• Credit assessment of the counterparty and underlying asset(s) being traded/financed.
• Provide detailed explanation of the counterparty considered, including analysis of historical performance of existing activities, highlight the key risk factors.
• Provide an approval or recommendation for approval based upon the proposed limit(s) and tenor(s) being considered, document recommendation for final decision.
• Validation of Obligor Risk Ratings, Basel III parameters (LGDs), other financial metrics.
• Ongoing monitoring of the credit quality of the portfolio (portfolio review and early detection of deteriorating credits).  Participation in the quarterly watch list review process.
• Track credit and market trends on individual asset classes.
• Assist the Portfolio Management and Governance team in the preparation of reporting for RISQ management and Regulators.
• Contribution to Bank’s credit policy guidelines and overall risk appetite.
• Participate in setting the global risk appetite for financing initiatives.
• Assessment of new business initiatives (white papers, New Product Committees, business rules, etc.) 

DIVISION DESCRIPTION: 
The Risk Management Department contributes to the sustainable growth of the Societe Generale group through its expertise, understanding of risks, and risk management techniques. The department’s mission is to independently analyze, assess, manage and monitor risk-taking activities with the objective of achieving, together with the first line-of-defense, the best possible outcome for the bank.  The department oversees the enterprise, strategic, credit, market, liquidity, operational, model, and other risks of the corporate and investment banking business activities.

Within the Risk Management Department, the Credit Risk Department oversees the management of credit related to corporates, financial institutions and sovereign counterparties as well as country risk for the SG Group's activities. Credit Risk’s duties include setting specific credit policies for each of the main businesses in conjunction with General Management, the businesses lines and other RISQ divisions where appropriate. These credit policies establish (i) the general criteria for the acceptability of credit requests for each client category and/or type of facility, and (ii) exposure limits.

The Credit Risk department is looking for a senior credit risk professional with broad experience approving credit lines for lending and derivative exposures, managing those exposures, and monitoring collateral performance for a broad range of financial institutions and Financial Sponsor backed entities, including:

• bank and non-bank financial institutions and insurance companies
• private equity vehicles across a broad range of sectors, including coverage of subscription finance facilities and other fund financing
• specialty finance companies, including BDCs and REITs, 
• portfolio financing vehicles across asset classes, including private credit, auto and consumer financing
• derivative and hedging exposures associated with any of the above.

SKILLS AND QUALIFICATIONS:
Must Have:

1. 10+ years with risk management experience within financial services with a focus on Financial Sponsors and structured/warehouse lending.
2. Broad knowledge of risks impacting Financial Sponsors and Private Equity specifically with a specific expertise in credit risk
3. Must have good knowledge of the US Market and regulatory practices
4. Must have strong analytical and solid judgment skills with a proven ability to understand complex transactions / processes
5. Demonstrated problem solving ability and capacity to work autonomously
6. Must have a strong ability to manage multiple projects and issues simultaneously
7. Strong collaboration skills required both across the risk division and with other partners such as business lines, legal and compliance teams
8. Results focused, responsive, with strong strategic capabilities in terms of decision making and risk assessment
9. Good English language writing skills, working knowledge of French is a plus
10. Ability to work under pressure and to meet tight deadlines. Effective management of priorities
11. Promoter of innovation and creativity

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

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. For more information about our Culture and Conduct initiatives, please visit this link (https://americas.societegenerale.com/en/careers/get-know-culture/)

D&I: 
Our Diversity & Inclusion 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 Diversity & Inclusion 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

For more information about our D&I initiatives, please visit this link (https://americas.societegenerale.com/en/societe-generale-about/diversity-and-inclusion/)

HYBRID WORK ENVIRONMENT:
Societe Generale offers a hybrid work arrangement that offers employees the flexibility to work remotely, as well as on-site, in order to promote interaction and collaboration with colleagues while adhering to all SG standard protocols.  Hybrid work arrangements vary based on business area.  The applicable business lines will determine and communicate the work arrangements that best meet their business needs.

COMPENSATION:
Base salary range does not include overtime pay, bonus and/or other benefits, where applicable. Actual base salary offer will vary based on skills and experience. The role is eligible for an annual discretionary bonus and includes a competitive benefits package including 401(k) plan with company match, medical/dental/vision, and other benefits for fertility, wellness, student loans and commuters.