Credit Analyst - Corporate & Investment banking - New York, New York, United States

Societe Generale

$90K — $110K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • Bachelor's degree required; MBA, CFA, or formal credit training is a plus.
  • Minimum 1 year of financial services experience, preferably in commercial real estate.
  • Experience with troubled credits, including workout processes is advantageous.
  • Strong proficiency in cash flow modeling and valuation within a financial services context.
  • Familiarity with Microsoft Office Suite; Argus training is a bonus.

Responsibilities

  • Manage credit portfolios for Commercial Real Estate, Aircraft, and Leasing Business Lines.
  • Assist in preparing credit memos for new originations with senior team members.
  • Conduct annual credit reviews, including financial analysis and market research.
  • Process credit amendments, waivers, and consents while securing internal approvals.
  • Monitor credit risk and prepare reports on specified credit triggers.
  • Conduct quarterly asset reviews and participate in presentations at meetings.
  • Collaborate with third-party servicers and lead assigned projects.

Benefits

  • Competitive annual discretionary bonus structure.
  • 401(k) plan with company match.
  • Comprehensive medical, dental, and vision coverage.
  • Additional benefits for fertility, wellness, and student loans.
  • Support for commuting expenses.
Full 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.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.

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