Project Finance & Infrastructure Credit Officer

Societe Generale; New York (NY); On-site; USD 140,000 - 210,000; Full time

Job summary

Societe Generale is seeking a senior credit professional to manage a portfolio focused on Project Finance and Infrastructure. You will assess obligors, analyze historical performance, and determine credit approvals or recommendations for final decisions.

The role requires strong analytical abilities, cross-functional collaboration, and a track record of handling complex transactions. Reporting to the Real Assets Team Head, energy and infrastructure financing expertise is valued.

Qualifications

• 7+ years in financial services focusing on Project Finance & Infrastructure.
• Broad knowledge of non-recourse project finance risks and credit.
• Strong understanding of US market regulatory practices.
• Proven ability to analyze complex transactions and assess risk.
• Autonomous problem solving and ability to manage multiple projects.

Responsibilities

• Credit assessment of Project Finance including Renewables, Data Centers and Infrastructure Finance.
• Provide explanation of obligor performance and key risk factors.
• Provide approval or recommendation for approval and document the decision.
• Validate Obligor Risk Ratings and Basle 4 parameters (LGDs).
• Monitor credit quality with quarterly reviews and watch-list participation.
• Track credit and market trends in banks and bond markets.
• Prepare reporting for RISQ management and Regulators.
• Contribute to credit policy guidelines and risk appetite.
• Assist in setting global risk appetite for financing initiatives.
• Assess SGCIB new business initiatives (white papers, New Product Committees).

Skills

Project Finance

Credit risk

US market

Regulatory practices

Analytical skills

Multitasking

Collaboration

English writing

Decision making

Innovation

Job description

Responsibilities

For the portfolio of clients under the Credit Officer’s responsibility, day to day responsibilities include but are not limited to the following:

• Credit assessment of Project Finance including Renewables, Data Centers and Infrastructure Finance.
• Provide detailed explanation of the obligor considered, including analysis of historical performance of existing activities, highlight the key risk factors.
• Provide approval or recommendation for approval based upon the proposed transaction being considered, document recommendation for final decision.
• Validation of Obligor Risk Ratings, Basle 4 parameters (LGDs), other financial metrics.
• Ongoing monitoring of the credit quality of the portfolio (quarterly portfolio review and early detection of deteriorating credits). Participation in the quarterly watch list review process.
• Track credit and market trends in bank and bond markets.
• Assist the Portfolio Management and Governance team in the preparation of reporting for RISQ management and Regulators.
• Contribution to Bank’s credit policy guidelines and overall risk appetite.
• Participate in setting the global risk appetite for financing initiatives.
• Assessment of SGCIB new business initiatives (white papers, New Product Committees, business rules, etc.)

Responsibilities

For the portfolio of clients under the Credit Officer’s responsibility, day to day responsibilities include but are not limited to the following:

• Credit assessment of Project Finance including Renewables, Data Centers and Infrastructure Finance.
• Provide detailed explanation of the obligor considered, including analysis of historical performance of existing activities, highlight the key risk factors.
• Provide approval or recommendation for approval based upon the proposed transaction being considered, document recommendation for final decision.
• Validation of Obligor Risk Ratings, Basle 4 parameters (LGDs), other financial metrics.
• Ongoing monitoring of the credit quality of the portfolio (quarterly portfolio review and early detection of deteriorating credits). Participation in the quarterly watch list review process.
• Track credit and market trends in bank and bond markets.
• Assist the Portfolio Management and Governance team in the preparation of reporting for RISQ management and Regulators.
• Contribution to Bank’s credit policy guidelines and overall risk appetite.
• Participate in setting the global risk appetite for financing initiatives.Assessment of SGCIB new business initiatives (white papers, New Product Committees, business rules, etc.)

Required

Profile required

DIVISION DESCRIPTION:

The Risk Management Department contributes to the sustainable growth of the Societe Generale group through its expertise, understanding of risks, and risk management techniques. The department’s mission is to independently analyze, assess, manage and monitor risk-taking activities with the objective of achieving, together with the first line-of-defense, the best possible outcome for the bank. The department oversees the enterprise, strategic, credit, market, liquidity, operational, model, and other risks of the corporate and investment banking business activities.

RISQ/CIB oversees the management of credit related to corporates, structured finance, financial institutions and sovereign counterparties as well as country risk for the SG Group's activities.

RISQ/CIB's duties include setting specific credit policies for each of the main businesses in conjunction with General Management, the businesses lines and other RISQ divisions where appropriate. These credit policies establish (i) the general criteria for the acceptability of credit requests for each client category and/or type of facility, and (ii) exposure limits.

Credit risk and lending professional with broad experience approving credit lines, managing exposures, and monitoring collateral performance. You will be reporting into the Real Assets Team Head focused on Energy, & Infrastructure Project Finance and Trade & Sustainable Commodity Finance.

SKILLS AND QUALIFICATIONS:

Must Have:

• 7+ years with within financial services with a focus on Project Finance & Infrastructure and their financing needs.
• Broad knowledge of risks impacting non-recourse project finance specifically with a specific expertise in credit and counterparty risk.
• Must have good knowledge of the US Market and regulatory practices.
• Must have strong analytical and solid judgment skills with a proven ability to understand complex transactions / processes.
• Demonstrated problem solving ability and capacity to work autonomously.
• Must have a strong ability to manage multiple projects and issues simultaneously.
• Strong collaboration skills required both across the risk division and with other partners such as business lines, legal and compliance teams.
• Results focused, responsive, with strong strategic capabilities in terms of decision making and risk assessment.
• Good English language writing skills, working knowledge of French is a plus.
• Ability to work under pressure and to meet tight deadlines. Effective management of priorities.
• Promoter of innovation and creativity.

Business insight

Societe 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.