Responsibilities The Credit Analyst reports functionally to the Credit Manager of Regional Real Asset Infrastructure APAC with the following responsibilities:
Credit Risk Monitoring: Oversee real asset and infrastructure credit exposures, ensuring adherence to EBA guidelines with a strong focus on ESG factors.Active Risk Management: Conduct comprehensive credit reviews, handle amendments and waiver requests effectively.Obligor Ratings & Limits: Review and propose internal ratings for obligors, monitoring concentration levels to mitigate risk.Documentation & Covenant Review: Analyze loan documentation, legal contracts, and financial statements, ensuring compliance with all covenants and project reporting requirements.Project Analysis: Evaluate the construction progress and operational performance of financed assets, conducting sensitivity analyses on budgets and financial models.Portfolio Oversight: Monitor portfolios actively for early warning signals, proposing actionable solutions where needed.
Manage watchlist clients and associated provisions.Market Assessment: Identify industry trends and assess country, market, and environmental risks to inform strategic decisions.Collaboration: Work closely with Origination teams, Sector Heads, Portfolio Managers, and Trading/Distribution to facilitate client business development, as well as external contacts (e.g.
borrowers, facility agents, advisers, etc.
).Ad Hoc Reporting: Undertake various tasks and reports as requested, contributing to the organization's strategic objectives.Compliance Adherence: Ensure full compliance with RISQ and CPLE guidelines throughout all business activities.Profile Required Academic Background and Certifications, Experience: Tertiary qualification in Finance, Commerce, Economics, Law, Accounting, Science, or Engineering.
Other qualifications may be considered subject to demonstrating genuine interest in Finance and relevant experience.7+ years' experience in structured finance.Strong risk analysis and understanding of all structuring issues relevant for structured finance during loan's life including risk monitoring, provisioning, and work out.Strong fluency in financial analysis, modelling, and review of legal documents.Strong understanding of trends in the sectors covered within APAC.Deep knowledge of the internal procedures and regulatory compliance coupled with a good understanding of conduct & culture values and general strategy of Societe Generale.Behavioral Skills: Client - Risk: I strive to satisfy clients while taking into account risks for the company.Team Spirit - Synergies: I make cooperation with colleagues in and outside my team a priority.Innovation - Thinking out of the box/Creativity: I propose new ideas and solutions.Responsibility - Performance: I strive for high performance.Responsibility - Accountability: I make decisions in my scope of responsibilities.Commitment - Sustainability: I strive to develop my skills and knowledge.We regret to inform that only shortlisted candidates will be notified.
Company Description: Founded by a group of entrepreneurs in 1864 "to promote the development of trade and industry in France", Societe Generale is today one of the leading European financial services groups.
Based on a diversified and integrated banking model, the Group combines financial strength and proven expertise in innovation with a strategy of
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