Credit Analyst

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

Benefits offered by this job

Health package

Language courses

Meal allowance

Holiday fund

Sports card

Insurance

Home office equipment bonus

Job summary

Societe Generale in Warsaw is seeking a Credit Analyst to join our corporate banking team. You will base in Poland while collaborating with partners in Germany to prepare credit applications for corporate clients and contribute to team goals.

You will work in English daily, with German as an option, gain exposure to a wide range of transactions, and build a robust credit analysis skill set for a future career in international banking.

Qualifications

• At least 3 years of experience in credit in corporate banking.
• Strong command of English.
• Degree in economics-related field.
• Ability to write concise summaries of analyses.
• Ability to cooperate with multiple partners from different business units.
• Flexible, well organized and autonomous.
• Take responsibility for your work and its quality.

Responsibilities

• Preparing credit applications (annual reviews/interim credit requests/credit opinions etc.) in compliance with guidelines, procedures and timelines.
• Writing clear and concise credit analyses based on counterparty study and transaction understanding.
• Checking compliance of credit requests with existing company policies.
• Commenting on terms and conditions (structure, amount, collateral, credit matters in documentation).
• Issuing autonomous credit opinions and giving relevant recommendations.
• Launching credit applications in company electronic tool for signatures and sign-offs.
• Assigning obligor ratings and uploading them in the company tool.
• Monitoring of assigned credit portfolio.
• Cooperating with Warsaw and Frankfurt teams, participating in regular operational review calls and reporting.

Skills

Credit analysis

Corporate banking

English proficiency

Education

Economics-related 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 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

Required

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 (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!

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.