Credit Analyst

Societe Generale; Warszawa; Hybrid; PLN 180,000 - 240,000; Full time

Benefits offered by this job

Hybrid work

Health package

Meal allowance

Job summary

Societe Generale in Warsaw is seeking a Credit Analyst to manage a portfolio of corporate clients and prepare credit applications. You will work with partners in Germany and use English daily, with potential German usage.

The role offers exposure to diverse projects and a chance to deepen credit analysis expertise. The position emphasizes collaboration with Warsaw and Frankfurt teams, a flexible, autonomous work style, and a hybrid office setup in the center of Warsaw.

Qualifications

• 3+ years of experience in credit in corporate banking.
• Proficient in written and spoken English (German optional).
• Degree in economics or related field.

Responsibilities

• Prepare credit applications (annual reviews/interim requests/opinions) in line with guidelines.
• Write clear credit analyses based on counterparty study and proposed transaction.
• Comment on terms and conditions; assess structure, amount, collateral, and documentation.
• Issue autonomous credit opinions with recommendations.
• Launch credit applications in electronic tool and obtain sign-offs.
• Assign obligor ratings and upload to the company tool.
• Monitor assigned credit portfolio; report to Warsaw and Frankfurt teams.

Skills

English proficiency

Team collaboration

Autonomy

Education

Bachelor's degree in economics

Job description

Responsibilities

As a Credit Analyst you will be based in Poland but people who will become your closest business partners are in Germany. 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 German if you feel comfortable with it) on daily basis and provide you with new level of professional challenges.

Responsibilities

As a Credit Analyst you will be based in Poland but people who will become your closest business partners are in Germany. 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 German if you feel comfortable with it) on daily basis and provide you with new level of professional challenges. In this role you will gain exposure to a wide variety of projects and interesting cases. If expanding your knowledge and expertise is what you seek, you will enjoy the opportunity to deepen your understanding of credit analysis and develop a robust skill set that will serve as a strong foundation for your future career.

Your future scope of responsibility will cover:

• Preparing credit applications (annual reviews/interim credit requests/credit opinions etc.) 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 Frankfurt teams, participating in regular operational review calls and reporting

Profile required

You will be most successful in the role if:

• You have at least 3 years of experience in credit in corporate banking business
• You know English very well
• You have a degree in a field related to economics
• 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

Your future with Societe Generale will include:

• 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
• Stability
• Competitive salary based on seniority and skills
• Support in quick adaptation in the company
• Extraordinary health package with extensive dental care
• Hybrid work (2 or 3 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! 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.