The Credit Analyst reports functionally to the Credit Manager of Regional Real Asset Infrastructure APAC and has the following responsibilities:
1. Credit Risk Monitoring: Oversee real asset and infrastructure credit exposures, ensuring adherence to EBA guidelines with a strong focus on ESG factors.
2. Active Risk Management: Conduct comprehensive credit reviews, handle amendments and waiver requests effectively.
3. Obligor Ratings & Limits: Review and propose internal ratings for obligors, monitoring concentration levels to mitigate risk.
4. Documentation & Covenant Review: Analyze loan documentation, legal contracts, and financial statements, ensuring compliance with covenants and project reporting requirements.
5. Project Analysis: Evaluate construction progress and operational performance of financed assets, conducting sensitivity analyses on budgets and financial models.
6. Portfolio Oversight: Monitor portfolios for early warning signals, propose solutions, and manage watchlist clients and provisions.
7. Market Assessment: Identify industry trends and assess country, market, and environmental risks to inform decisions.
8. Collaboration: Work with Origination teams, Sector Heads, Portfolio Managers, and external contacts to facilitate client development.
9. Ad Hoc Reporting: Prepare reports and undertake tasks as requested to support strategic objectives.
10. Compliance Adherence: Ensure all activities comply with RISQ and CPLE guidelines.
Profile Required
Academic Background and Certifications, Experience
* Tertiary qualification in Finance, Commerce, Economics, Law, Accounting, Science, or Engineering. Other qualifications considered with relevant experience.
* 7+ years’ experience in structured finance.
* Strong risk analysis skills and understanding of structuring issues during a loan’s lifecycle.
* Proficiency in financial analysis, modeling, and legal document review.
* Understanding of sector trends within APAC.
* Deep knowledge of internal procedures, regulatory compliance, and Societe Generale’s values and strategy.
Behavioral Skills
* Client - Risk: Balance client satisfaction with risk management.
* Team Spirit - Synergies: Prioritize cooperation within and outside the team.
* Innovation - Creativity: Propose new ideas and solutions.
* Responsibility - Performance: Aim for high performance.
* Responsibility - Accountability: Make decisions within scope.
* Commitment - Sustainability: Continually develop skills and knowledge.
We regret to inform that only shortlisted candidates will be notified.
Company Description
Founded in 1864 to promote trade and industry in France, Societe Generale is now a leading European financial group, combining strength, innovation, and a focus on sustainable development.
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