40 days agoSociété Générale

Credit Analyst

  • Montréal (Agglomération de Montréal)
  • Marketing

Job description



Responsibilities

Responsibilities:

· 
Preparing high quality credit applications and annual reviews of corporate counterparties to assess their credit quality, recommending appropriate credit limits, terms and conditions. This includes financial statements analysis (P&L, BS, and CF), a review of the client's strategy, its business risk, industry dynamics, competitive environment;

· 
Preparing financial projections and determining debt repayment capability as well as assuring compliance with SGUS Credit Policies;

· 
Proposing and updating Obligor Risk Ratings;

· 
Monitoring compliance with covenants;

· 
Reviewing all relevant legal documentation (i.e. credit agreements, Guaranty, ISDA, CSA) and proposing changes as necessary to comply with SGUS policies;

· 
Liaising with other CCG teams in the US, Europe and Asia, business lines, Bankers, legal & compliance, operations, and Risk department;

Profile Required

COMPETENCIES

· 
Strong financial analytical skills;

· 
Ability to assess credit terms and conditions including financial covenants, security and collateral;

· 
Strong understanding of commercial and investment banking products;

· 
Ability to work in a team including interacting with teams located in other locations (US, India, Europe);

· 
Strong writing skills particularly assessing and summarizing financial transactions (credit requests, covenant waivers, etc.);

· 
Strong understanding the accounting, legal and regulatory issues governing relevant sectors;

· 
Ability to investigate/research/synthesize data and make appropriate conclusions as to what is causing the observed results

· 
Ability to analyze and evaluate counterparty risk and financial condition utilizing quantitative and qualitative data.

TECHNICAL SKILLS

· 
Strong understanding of finance and accounting principles;

· 
Experience preparing financial projections under various scenarios;

· 
Proficiency using Word for written analysis and Excel for spreadsheet analysis

· 
Knowledge of capital markets/traded products and committed financing facilities.

PRIOR WORK EXPERIENCE

· 
8-10 years as credit analyst in a corporate and investment banking entity or related field;

· 
Bachelor's degree from accredited university

LANGUAGES

Required:

· 
Fluency in English

Optional:

· 
Fluency in French or Spanish

Business Insight

Within the Client and Credit Group (“CCG”), the Credit Analyst will work under the supervision of a Director - Senior Credit Analyst and will be part of a team responsible for managing a portfolio comprised of large US corporates as well as subsidiaries of non-US groups in diverse industries. The Credit Analyst will be responsible for preparing comprehensive credit analyses, reviewing legal documentation, and on-going portfolio monitoring under the supervision of the Senior Credit Analyst.

All our positions are open to people with disabilities

Job code: 19000FJS
Business unit: SG CIB
Starting date: Immediate
Date of publication: 10/10/2019