Senior Credit Officer, Team Head – Real Assets

Societe Generale; New York (NY); On-site; USD 180,000 - 240,000; Full time

Job summary

Societe Generale is seeking a Real Assets Team Head for the Americas perimeter in New York. You will oversee credit risk for energy, infrastructure, data centers, and related assets, directing a team of Senior Credit Officers.

You will shape risk appetite, governance, and policy, while collaborating with business lines, legal, and compliance to ensure robust risk management. The role requires extensive experience in project finance and asset-based lending, strong leadership, and a proactive

Qualifications

• 15+ years with management within the Real Asset Scope (project finance and asset-based finance).
• 8+ years of managerial experience supervising 4+ people.
• Broad knowledge of risks in Energy, Infrastructure, Trade Commodity Finance and Real Estate.
• Current knowledge of US markets and regulatory practices.
• Strong analytical and credit judgement skills.
• Ability to work autonomously and manage multiple projects.

Responsibilities

• Supervisory responsibility for the Real Assets team including recruitment, training and day-to-day management of team members.
• Ensure that credit risks originated and managed by the Real Assets team are properly assessed and monitored.
• Contribute to the bank's credit policy guidelines and risk appetite.
• Identify emerging risks with the business to mitigate risk.
• Stay aware of regulatory developments and ensure policy compliance.
• Participate in projects to enhance governance and regulatory compliance.
• Participate in New Product Committees to assess credit risks for new initiatives.
• Foster a strong partnership with the business.

Skills

Real Assets Leadership

Managerial Experience

Energy & Infrastructure

US Credit Regulations

Analytical Judgement

Multitasking

Cross-functional Collaboration

English Writing

French Useful

Pressure Handling

Job description

• Supervisory responsibility for the Real Assets team including recruitment, training and day-to-day management of team members.
• Ensure that credit risks originated and managed by the Real Assets team are properly assessed, measured and managed at origination and as part of an on-going monitoring framework.
• Contribute to the definition of the Bank’s credit policy guidelines and overall risk appetite.
• Identifying and understanding emerging risks in partnership with the business to ensure that these risks are well understood and adequately mitigated.
• Remain aware of the regulatory environment, its developments and application with ongoing contribution to related regional governance including policies and procedures. Ensure that the team understands and complies with applicable policies and procedures.
• Participate in various projects to enhance governance and comply with evolving regulatory requirements.
• Participation in New Product Committees to understand new business initiatives to ensure all relevant credit risks have been identified and that the related necessary governance is in place.
• Foster a strong partnership with the business.

Responsibilities

• Supervisory responsibility for the Real Assets team including recruitment, training and day-to-day management of team members.
• Ensure that credit risks originated and managed by the Real Assets team are properly assessed, measured and managed at origination and as part of an on-going monitoring framework.
• Contribute to the definition of the Bank’s credit policy guidelines and overall risk appetite.
• Identifying and understanding emerging risks in partnership with the business to ensure that these risks are well understood and adequately mitigated.
• Remain aware of the regulatory environment, its developments and application with ongoing contribution to related regional governance including policies and procedures. Ensure that the team understands and complies with applicable policies and procedures.
• Participate in various projects to enhance governance and comply with evolving regulatory requirements.
• Participation in New Product Committees to understand new business initiatives to ensure all relevant credit risks have been identified and that the related necessary governance is in place.
• Foster a strong partnership with the business.

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

RISQ/CRE's duties include setting specific credit policies for each of the main businesses in conjunction with Senior 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.

The Real Assets Team Head is responsible for overseeing all credit risks originated and managed in the Real Assets scope for the SG Americas perimeter, managing a target team of [7] Senior Credit Officers that review and monitor the credit risk on a broad range of counterparties and products. The scope includes Energy, Infrastructure, Data Centers as well as Trade Commodity Finance and Real Estate. The underlying assets include both vanilla and highly structured project or asset based financing across both trading and lending activities. The role is actively involved in setting the risk appetite for the institution, defining and adhering to appropriate standards for the approval and management of credit risk.

SKILLS AND QUALIFICATIONS:

Must Have:

• 15+ years with management experience within the Real Asset Scope (project finance and asset-based finance)
• 8+ years of managerial experience of 4+ people
• Broad knowledge of risks impacting the Energy, Infrastructure – including data centers, Trade Commodity Finance and Real Estate sectors with a specific expertise in credit risk as it relates to these sectors
• Current knowledge of US markets and regulatory practices
• Strong analytical and credit judgment skills with a proven ability to understand complex transactions / processes
• Demonstrated problem solving ability and capacity to work autonomously
• Strong ability to manage multiple projects and issues simultaneously
• Strong collaboration skills both across the RISQ 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
• Promoting 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.