Senior Credit Risk

Senior Credit Risk

Risks Permanent contract Montreal, Quebec, Canada Hybrid Reference 25000IVS Start date 2025/12/01 Publication date 2025/10/07

Responsibilities

ABOUT THE JOB:

Global Banking and Advisory (GLBA) combines recognized wholesale coverage with world-class product, financing, and advisory expertise within one team, enabling us to best support our clients. On the one hand, our transversal, product-neutral coverage teams span all businesses to promote the bank's products and services to our clients globally, and on the other, we provide world-class capital raising, financing and advisory expertise.

Within the Credit Portfolio Management Group (“CPM”), the Credit Analyst will work under the supervision of a Director - Senior Credit Analyst and will be part of a team responsible for managing a portfolio comprised of large US corporates as well as subsidiaries of non-US groups in diverse industries. The Credit Analyst will be responsible for preparing comprehensive credit analyses, reviewing legal documentation, and on-going portfolio monitoring under the supervision of the Senior Credit Analyst.

What will be your DAY-TO-DAY?

• Preparing high quality credit applications and annual reviews of corporate counterparties to assess their credit quality, recommending appropriate credit limits, terms, and conditions. This includes financial statements analysis (P&L, BS, and CF), a review of the client’s strategy, its business risk, industry dynamics, competitive environment
• Preparing financial projections and determining debt repayment capability as well as assuring compliance with SGUS Credit Policies
• Proposing and updating Obligor Risk Ratings
• Monitoring compliance with covenants
• Reviewing all relevant legal documentation ( credit agreements, Guaranty, ISDA, CSA) and proposing changes as necessary to comply with SGUS policies
• Liaising with other CPM teams in the US, Europe and Asia, business lines, Bankers, legal & compliance, operations, and Risk department

Profile required

Skills and Qualifications:

COMPETENCIES

• Strong financial analytical skills
• Ability to assess credit terms and conditions including financial covenants, security and collateral
• Strong understanding of commercial and investment banking products
• Ability to work in a team including interacting with teams located in other locations (US, India, Europe)
• Strong writing skills particularly assessing and summarizing financial transactions (credit requests, covenant waivers, etc.)
• Strong understanding the accounting, legal and regulatory issues governing relevant sectors
• Ability to investigate/research/synthesize data and make appropriate conclusions as to what is causing the observed results
• Ability to analyze and evaluate counterparty risk and financial condition utilizing quantitative and qualitative data

TECHNICAL SKILLS

• Strong understanding of finance and accounting principles
• Experience preparing financial projections under various scenarios
• Proficiency using Word for written analysis and Excel for spreadsheet analysis
• Knowledge of capital markets/traded products and committed financing facilities

PRIOR WORK EXPERIENCE

• 8-10 years as credit analyst in a corporate and investment banking entity or related field
• Bachelor’s degree from accredited university

Languages: French and English

Ability to communicate in English, both orally and in writing, is a requirement as the person in this position will need to collaborate regularly with colleagues and partners in the United States.

Due to US Federal Securities law applying to this position, candidates who will apply for this position will be required to submit to an enhanced background screening, including the collection of their fingerprints by a third-party vendor selected by the Financial Industry Regulatory Authority (“FINRA”).

Why join us

OUR BENEFITS:

WHAT WE DO DIFFERENTLY AT SOCIÉTÉ GÉNÉRALE

Competitive compensation & benefits offering, including but not limited to:

• Minimum of 20 Vacation days + 4 personal days Supportive Maternity, paternity, parental and adoption leave policy Health spending ($2,000/year) and personal spending ($1,000/year) accounts with 75+ eligible reimbursement categories (health, training, electronics etc.)

Fully sponsored virtual healthcare assistance and Employee Assistance Program to you and your immediate family

Various Employee Resource Groups (ERG) to engage with such as Pride and Allies, American Women Network, Black Leadership Network, One planet, etc.

• A culture of continuous development by encouraging our employees various training programs (online training and coaching platform such as Coursera, GoFluent, Pluralsight, First Finance, and others)