Trainee

Credit analysis  

• Conduct credit analysis for corporate counterparts by preparing concise, critical and well-argued credit proposals on new request and renewals of credit facilities. 
• Evaluate and make recommendation on credit limits requested from coverage team and business lines based on bank’s risk appetite and client’s credit profile. 
• Conduct regular and timely annual reviews and credit facility renewals. 
• Review and assess client’s obligor rating at least annually, or as driven by special events and maintain valid ratings in the Bank’s rating tool. 
• Continue to improve credit file productivity and processing efficiency and respond in timely manner to credit requests. 
• Expedite and manage the credit approval process by liaising with relevant approvers and RISQ officers. 
• Report significant business events, financial trends, industry developments and other relevant issues relating to financial position of clients 
• Back up and support other credit analysts. 
• Assist in special projects or assignments as requested by team head. 
   
  Reporting 
• Support for week deal flow generation, annual review tracking and monitoring, credit volume statistics and portfolio analytics. Also act as a back-up support to our data analyst within CPM.  
• Assist other credit analysts to monitor credit exposure/overshoots, concentration risk, financial covenants and credit conditions; verify data and support reporting requirements related to these areas. 

• Degree in relevant discipline from a recognized university (MBA or other professional qualifications such as CFA or CPA , FRM or equivalent is preferred) 
• Previous experience in a role of credit risk analysis or assistant corporate relationship manager is a plus 
• Solid accounting, corporate finance, and credit analysis skills 
• Strong problem-solving ability with analytical thinking 
• Good knowledge in data analytics and related field 
• Quick learner and ability to multi-task 
• Attention to detail and ability to self-check 
• Basic knowledge of different bank products, particularly commercial banking/transaction banking products, treasury products 
• Basic knowledge of regulatory and business environment in Greater China 
• Well versed in MS Office applications (Word, Excel, VBA, Microsoft Access, PowerPoint, Copilot is a must) 
• Good communication skills.  Fluent English and Mandarin Chinese language skills (both speaking and writing) are mandatory to facilitate transactions with Chinese speaking clients. French language skill is a plus. 

Behavioral Skills

• Client - Risk: I strive to satisfy clients while taking into account risks for the company    
• Team Spirit - Collective mindset: I favour the team’s interest over my own results    
• Innovation - Technology: I adopt new technologies in the solutions and projects I work on    
• Commitment - Sustainability: I strive to develop my skills and knowledge    
• Responsibility - Accountability: I make decisions in my scope of responsibilities    
• Responsibility - Performance: I strive for high performance    
   

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/

Company Description

Societe Generale is a top tier European bank with more than 160 years of expertise supporting economic development and helping corporates, financial institutions, and individuals bring their projects to life.
With over 40 years of presence in China, Societe Generale serves as a bridge between China and international markets across Europe, Asia Pacific, the Americas, and Africa. The bank offers a broad range of capabilities in Global Markets, Financing & Advisory, and Payments and Cash Management.
A recognized leader in equity derivatives, structured products, structured finance, natural resources financing, and leasing, Societe Generale combines deep sector expertise with a strong international network to provide tailored advisory, financing, investment, and risk management solutions to its clients.