Credit Analyst

SGS Société Générale de Surveillance SA; City of Rochester (NY); On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

401(k) match

Medical benefits

Discretionary bonus

Job summary

Societe Generale’s Real Assets and Infrastructure group in New York seeks a Credit Analyst to support CPM in credit portfolio management, focusing on commercial real estate, aircraft and leasing. You will assist senior members with memos, financial analysis and projections.

You will monitor credits, update ratings, prepare reviews, coordinate with third-party servicers and provide information to investors. Strong analytical skills and MS Office proficiency are required; Argus training is a plus.

Qualifications

• Bachelor's degree in a finance-related field.
• MBA/CFA or formal credit training is a plus.
• Proficiency with Excel, Word, PowerPoint and Outlook.

Responsibilities

• Assist in preparation of CPM memos for new originations.
• Prepare annual credit reviews including financial analysis and projections.
• Update financial projections per internal requirements.
• Monitor and report credit triggers and limits.
• Coordinate with third-party servicer for asset oversight and valuations.
• Provide information on credit files to investors.
• Support audits and examinations of portfolios.

Skills

Financial analysis

Credit analysis

Cash flow modeling

Communication

Teamwork

Education

Bachelor's degree

MBA

CFA

Tools

Microsoft Word

Excel

PowerPoint

Outlook

Argus

Job description

ResponsibilitiesThe Real Assets and Infrastructure (“RAI”) group within Credit Portfolio Management (CPM) AMER is seeking a Credit Analyst to be based in Société Générale’s New York office.Credit Portfolio Management (CPM) is a specialized function within Société Générale’s Global Banking and Advisory (GLBA) division. CPM oversees the bank’s credit portfolios, focusing on credit risk monitoring, portfolio optimization, and capital efficiency across a wide range of asset classes and sectors.RESPONSIBILITIESResponsible for credit portfolio management functions covering the Commercial Real Estate, Aircraft and Leasing Business Lines.Assist senior members of the team for the preparation of CPM memos for reviews of new originations. Prepare annual credit reviews (including financial analysis, update of projections, market research, appraisal review and rating proposal) for assigned accounts.Update financial projections per internal requirements.Process amendments, waivers, and consents, including obtaining all required internal credit approvals.Responsible for credit monitoring and reporting including General and Specific Credit Triggers.Cooperation with internal MAI for the management of appraisals.Collateral monitoring ensuringPerform quarterly asset reviews for watch-list and provisioned loans and presentations in local and global meetings.Work in close collaboration with third party servicer for the services provided by them and perform related oversight functions.Provide information on credit files to investors.Monitoring of limits in coordination with other groups.Participation to client and lenders meetings.Prepare reports and responses to management inquiries on portfolios.Assume lead role in assigned projects.Assist in internal and external audits and examinations of portfolios.Participate in workout of troubled portfolio credits.Profile requiredTECHNICAL SKILLSExperience in Commercial Real EstateCash flow modeling and valuation skills developed in a financial services environmentProficient in Microsoft Word, Excel, Powerpoint and OutlookStrong aptitude for learning and using SG systemsArgus training is a plus.COMPETENCIESStrong financial and credit analytical skills,Strong interpersonal and communication skills;Strong problem solving and organizational skills; ability to prioritize and multitask;Proactive;Ability to work in a dynamic, deadline-focused environment;Team player;Ability to work independently;Comfortable working with legal documentation;Client management skillsPRIOR WORK EXPERIENCEMinimum 1 year of financial services experience, preferably in commercial real estate.Experience working with troubled credits, including workouts is a plus.EDUCATIONBachelor's degreeMBA, CFA or Formal Credit Training Program is a plus.Business insightSociete Generale is committed to offering an inclusive recruitment experience to all candidates. If you require any reasonable accommodations during the recruitment process, please do not hesitate to let our Recruiters know.OUR 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. For more information about our Culture and Conduct initiatives, please visit this link (https://americas.societegenerale.com/en/careers/get-know-culture/)DIVERSITY, INCLUSION & BELONGING (“DIB”):Our DIB Mission: Recruit, develop, retain and advance a talented workforce that is united in our efforts to leverage our talent and further develop an inclusive environment that will enhance our competitive position and deliver innovative solutions to our clients. It seeks to foster an environment where employee differences are valued and where all employees feel engaged, supported, respected, and informed. For more information about our DIB initiatives, please visit this link: https://americas.societegenerale.com/en/careers/get-know-diversity/COMPENSATION:Base salary range does not include overtime pay, bonus and/or other benefits, where applicable. Actual base salary offer will vary based on skills and experience. The role is eligible for an annual discretionary bonus and includes a competitive benefits package including 401(k) plan with company match, medical/dental/vision, and other benefits for fertility, wellness, student loans and commuters.Diversity and InclusionSociete Generale is an equal opportunity employer, and we are proud to make diversity a strength for our company. We are committed to recognizing and promoting the talents and achievements of our employees and staff, regardless of race, religion, color, national origin, sex, disability, age, gender, sexual orientation, and any other characteristic or status protected under applicable law.