Associate, Credit Portfolio Management

Societe Generale; Warszawa; Hybrid; PLN 180,000 - 280,000; Full time

Benefits offered by this job

Hybrid work (3 office days per week)

Health package with extensive dental

Meal allowance

Holiday fund

Sports card

Insurance

Job summary

Societe Generale Global Banking and Advisory (GLBA) in Warsaw seeks a Credit Analyst to manage a diverse credit portfolio within Real Assets & Infrastructure. You will conduct detailed reviews, monitor events, and support portfolio managers.

The role requires at least 3 years in credit analysis, a Finance/ Economics degree, fluency in English, and CFA/ACCA as a strong advantage; the team offers a hybrid office setup and a competitive salary.

Qualifications

• 3+ years of experience in credit analysis and structured finance.
• Degree in Finance, Accounting, Economics, or related field.
• Proficiency in English; CFA/ACCA is a strong advantage.

Responsibilities

• Conduct detailed periodic credit reviews and analyze financial statements.
• Manage credit events across transaction lifecycle (waivers, amendments, refinancings).
• Monitor RWA parameters and ensure accurate data inputs.
• Support Portfolio Managers in Secondary Sales and other Credit Distribution initiatives.
• Perform administrative tasks and participate in ad-hoc projects.

Skills

Credit analysis

Structured finance

Financial modelling

English proficiency

Analytical mindset

Relationship building

Education

Finance/Economics degree

CFA/ACCA (near completion)

Job description

Responsibilities

Société Générale 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.

GLBA is organized around:

• Origination: encompassing the Financing, Investment Banking and Coverage teams, and a Sustainable and Positive Impact Finance Solutions team, all with a very strong sectoral alignment


• Distribution: a joint team between GLBA and Markets, leveraging the strengths of both Business Units to help distribution efforts at scale. It combines Advisory, Structuring and Financing, Syndication, Credit Trading and Credit Sales


• Credit Portfolio Management, actively managing risks and resources, ensuring compliance with ESG commitments and proposing best-in-class, digital and data-driven portfolio management

Credit Portfolio Management (CPM) actively manages GLBA's loan book across the three regions with the objective of enhancing capital stewardship through resource optimization and disciplined portfolio management, to increase balance sheet velocity and implement a capital-light model.

CPM is a risk taker entity and manages the books along three verticals: Corporates IG & NIG, Real Assets & Infrastructure, and Financial Assets & Insurance. A sectoral focus across the three verticals such as energy, infrastructure, telecom media & technology, industries, commercial real estate or transportation further ensures full alignment and a 360° credit vision.

As a Credit Analyst, you will be part of the Real Assets & Infrastructure team, responsible for the management of a broad array of events linked to transactions within the assigned credit portfolio, which includes:

• Conducting detailed periodic credit reviews, analyzing historical financial statements and reporting on project progress and performance


• Managing various credit events related to the transaction lifecycle, such as waivers and amendments, facility renewals, refinancings, and restructurings, as / if applicable


• Monitoring RWA parameters of portfolio transactions, ensuring correct system input in relation to financial and project-specific data, and liaising with various departments and external contacts regarding a variety of topics


• Supporting Portfolio Managers in the execution of Secondary Sales and other Credit Distribution initiatives, as / if applicable


• Performing administrative and operational tasks in relation to the assigned credit portfolio, and participating in ad-hoc projects and initiatives as requested

Profile required

You will be most successful in the role if:

• You have at least 3 years of relevant experience with credit analysis and structured finance, specifically within areas such as Energy, Infrastructure, TMT, and Real Estate


• You have, or are close to completing, a degree in Finance, Accounting, Economics, or a related field


• You are committed and analytical, with professional conduct focused on quality and excellence


• You speak English fluently and are comfortable using it daily


• You adapt easily to a changing environment, and enjoy building positive relationships with other team members


• You hold, or are working toward, professional certifications such as CFA, ACCA or equivalent, which are considered a strong advantage

Why join us

• Work in a pleasant atmosphere as part of an international team in a brand-new office in the center of Warsaw, designed with facilities for people with disabilities


• An active role in an international structure and the opportunity for growth


• Access to educational platforms and language courses


• Employment contract and stability


• Competitive salary based on seniority and skills


• Support in quick adaptation to the company


• Extraordinary health package with extensive dental care


• Hybrid work (3 office days per week) and one-time bonus for home office equipment


• Even more benefits such as meal allowance, holiday fund, sports card and insurance


• Please be informed that we will be accepting only resumes in English.

Business insight

At Société Générale, 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.

Whether you’re joining us for a period of months, years or your entire career, together we can have a positive impact on the future. Creating, daring, innovating and taking action are part of our DNA.

If you too want to be directly involved, grow in a stimulating and caring environment, feel useful on a daily basis and develop or strengthen your expertise, you will feel right at home with us!

Diversity and Inclusion

We 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.

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