Credit Analyst

Societe Generale; Warszawa; Hybrid; PLN 120,000 - 180,000; Full time

Benefits offered by this job

Hybrid work

Home-office equipment bonus

Meal allowance

Health package

Sport card

Job summary

Societe Generale in Warsaw, Poland invites applications for a Credit Analyst to prepare credit applications for international clients and contribute to the team’s goals. You will work with partners in Paris and Warsaw, using English daily and French if comfortable, ensuring timely, high-quality credit analyses.

The role emphasizes writing concise analyses, coordinating with multiple partners, and maintaining autonomy and organizational rigor in a dynamic environment.

Qualifications

• Degree in economics or related field.
• At least 2 years of experience in credit in corporate banking.
• Good command of English and potentially French.

Responsibilities

• Prepare credit applications for large international companies in line with guidelines and timelines.
• Write clear credit analyses based on counterparty study and proposed transaction details.
• Check compliance of credit requests with company policies.
• Comment on terms and conditions of credit; assess structure, amount, collateral.
• Issue autonomous credit opinions and recommendations.
• Launch credit applications in electronic tool and collect sign-offs.
• Assign obligor ratings and upload in company tool.
• Monitor assigned credit portfolio.
• Collaborate with Warsaw and Paris teams and participate in reviews.

Skills

Credit analysis

Financial analysis

English

French

Education

Economics degree

Job description

Responsibilities

As a Credit Analyst you will be based in Poland but people who will become your closest business partners are in

As a Credit Analyst you will be based in Poland but people who will become your closest business partners are in Paris. Their day-to-day job consists of preparing credit applications for corporate clients and so will yours, as you will be assigned a portfolio of clients to contribute to the team’s goals. This opportunity will enable you to use English (or French if you feel comfortable with it) on daily basis and provide you with new level of professional challenges.

Your future scope of responsibility will cover:

• Preparing credit applications (annual reviews/interim credit requests/credit opinions etc.) for large international companies from different sectors and different regions (Western and Central Europe, Africa) in compliance with guidelines, procedures and timelines
• Writing a clear and concise credit analysis based on a general study of the counterparty and the understanding of the proposed transaction (nature of the line, maturity, amount)
• Checking the compliance of the credit request with the existing company policies
• Commenting on the terms and conditions as appropriate (structure, amount, collateral, credit matters defined in the legal documentation)
• Issuing an autonomous credit opinion and giving a relevant recommendation
• Launching credit applications in company electronic tool for signatures and collecting the appropriate sign-offs
• Assigning obligor ratings and uploading it in company tool
• Monitoring of assigned credit portfolio
• Cooperating with both Warsaw and Paris teams, participating in regular operational review calls and reporting

Profile required

• You have a degree in a field related to economics
• You have at least 2 years of experience in credit in corporate banking business
• You know English very well and perhaps even French
• You know the secrets of successful cooperation with a distant team
• You can easily write a concise summary of an analysis
• You can cooperate with multiple partners from different business units
• You are flexible, well organized and autonomous
• You take responsibility for your work and its quality

Why join us

• Work in a pleasant atmosphere, in a brand new central-Warsaw office, as part of an international team
• Active role in an international structure and opportunity for development
• Access to learning platforms and language courses
• Employment contract and stability
• Competitive salary based on seniority and skills
• Support in quick adaptation with the company
• Extraordinary health package with extensive dental care
• Hybrid work and one time bonus to equip your home office
• Even more benefits, such as meal allowance, holiday fund, sport card and insurance, just to name a few
• Please be informed that we will be accepting only resumes in English

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!

Still hesitating?

You should know that our employees can dedicate several days per year to solidarity actions during their working hours, including sponsoring people struggling with their orientation or professional integration, participating in the financial education of young apprentices, and sharing their skills with charities. There are many ways to get involved.

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.