TRAINEE: Credit Analyst

SGS Société Générale de Surveillance SA; Hong Kong; On-site; HKD 134,000 - 223,000; Full time

Job summary

Societe Generale in Hong Kong is seeking a Trainee Credit Analyst to support corporate counterparty risk assessments within CPM/COR. This fixed-term 24-month role offers full-time work in a dynamic APAC team. You will prepare credit proposals, monitor ratings, and assist in reporting and analytics while developing core credit skills.

The program emphasizes risk evaluation, data analysis, and collaboration with various stakeholders, including RISQ and front-office teams.

Qualifications

• Experience in credit risk analysis is preferred.
• Fluent English and Mandarin required.
• Knowledge of Greater China regulatory environment is a plus.
• Strong analytical and problem-solving abilities.

Responsibilities

• Perform credit analysis for corporate counterparts and prepare concise proposals.
• Evaluate credit limits based on risk appetite and client profile.
• Conduct annual reviews and renewals of credit facilities.
• Liaise with approvers and RISQ officers to expedite credit approval.
• Support CPM/COR reporting and analytics.

Skills

Credit risk analysis

Data analytics

MS Office (Word, Excel, VBA, Access, P

Education

Degree in relevant discipline (MBA or CFA/CPA/FRM or equivalent preferred)

Tools

Copilot

Job description

ResponsibilitiesMain Responsibilities: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.ReportingSupport 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.Profile requiredDegree 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 plusSolid accounting, corporate finance, and credit analysis skillsStrong problem-solving ability with analytical thinkingGood knowledge in data analytics and related fieldQuick learner and ability to multi-taskAttention to detail and ability to self-checkBasic knowledge of different bank products, particularly commercial banking/transaction banking products, treasury productsBasic knowledge of regulatory and business environment in Greater ChinaWell 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 facilicate transactions with Chinese speaking clients. French language skill is a plus.This is a fixed term 24-month Trainee contract with Societe Generale. You will form part of the team on a full-timebasis. In order to apply for the Trainee position, please ensure you have completed your qualification and will beavailable to work full time for the duration of the Trainee contract.Business insightOur 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 operateInclusive culture and workplace that recognizes employees' unique needs and utilizes their diverse talentsEngage our community and marketplace, and position the organization to meet the needs of all its clientsCheck out our DE&I initiatives: https://www.societegenerale.asia/en/careers/diversity-equity-inclusion-dei/Department DescriptionYou will be a member of the Credit Portfolio Management for Corporates (“CPM/COR”) and be based in Hong Kong. CPM/COR, the analytical platform of Global Banking and Advisory division, support front office and business lines by providing corporate counterparty risk assessment on a transversal basis and client facing as required. Reporting to the Head of CPM/COR APAC, you will provide balanced and objective credit assessments to business requests and assume analytical responsibility to support the overall credit approval process for target corporate clients. You will also be expected to be a back-up support to our data analyst for internal reporting and statistics within our operational parametersDiversity and InclusionWe are an equal opportunities employer and we are proud to make diversity a strength for our company. Societe Generale is committed to recognizing and promoting all talents , regardless of their beliefs, age, disability, parental status, ethnic origin, nationality, gender identity, sexual orientation, membership of a political, religious, trade union or minority organisation, or any other characteristic that could be subject to discrimination.