Credit Analyst

DEPARTMENT DESCRIPTION COVERAGE & INVESTMENT BANKING/Credit Portfolio Management - Financial Assets and Insurance (GLBA/CPM/FAI). The mission of CPM/FAI is to provide credit analysis and manage the credit relationship with clients. This position has a focus on non-bank financial institutions located in the Americas, primarily the USA. MAIN ACCOUNTABILITIES The individual will be responsible for credit analysis and management of a portfolio of client credit relationships, predominantly in the life insurance industry, with a more modest focus on P&C and reinsurance . Geographic region is predominantly USA, with lesser emphasis on Canada. The candidate should have expertise in the credit analysis and supporting ratios and metrics, insurance accounting, and regulatory matters. Product lines encompass committed lending facilities, structured transactions, OTC and listed derivatives, foreign exchange, and repo. Day to day responsibilities include but not limited to: Process credit requests in a timely manner to meet business deadlines and maintain the annual review cycle. Research and analyze financial data on the client to prepare high quality analysis in credit applications that address client credit risk and transaction risk. Conduct economic and insurance sector research covering North America to support the analysis Exercise strong credit judgment skills when recommending credit facilities, taking into consideration facility size, tenor, and suitability for client. Use insurance rating model to propose counterparty ratings. Manage key components of counterparty credit administration such as internal ratings, trading documentation (ISDA/CSA, GMRA, GMSLA, FAA), and replacement risk limits. Establish credit terms for legal documents and follow up with legal department on negotiations. Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality. Monitor exposure and manage credit limit exceptions. Adapt to ongoing accounting and regulatory changes that affect credit limits and exposure. Coordinate all aspects of a credit request, liaising with FAI relationship managers, business lines, legal staff, and Risk Division. DEPARTMENT DESCRIPTION COVERAGE & INVESTMENT BANKING/Credit Portfolio Management - Financial Assets and Insurance (GLBA/CPM/FAI). The mission of CPM/FAI is to provide credit analysis and manage the credit relationship with clients. This position has a focus on non-bank financial institutions located in the Americas, primarily the USA. MAIN ACCOUNTABILITIES The individual will be responsible for credit analysis and management of a portfolio of client credit relationships, predominantly in the life insurance industry, with a more modest focus on P&C and reinsurance . Geographic region is predominantly USA, with lesser emphasis on Canada. The candidate should have expertise in the credit analysis and supporting ratios and metrics, insurance accounting, and regulatory matters. Product lines encompass committed lending facilities, structured transactions, OTC and listed derivatives, foreign exchange, and repo. Day to day responsibilities include but not limited to: Process credit requests in a timely manner to meet business deadlines and maintain the annual review cycle. Research and analyze financial data on the client to prepare high quality analysis in credit applications that address client credit risk and transaction risk. Conduct economic and insurance sector research covering North America to support the analysis Exercise strong credit judgment skills when recommending credit facilities, taking into consideration facility size, tenor, and suitability for client. Use insurance rating model to propose counterparty ratings. Manage key components of counterparty credit administration such as internal ratings, trading documentation (ISDA/CSA, GMRA, GMSLA, FAA), and replacement risk limits. Establish credit terms for legal documents and follow up with legal department on negotiations. Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality. Monitor exposure and manage credit limit exceptions. Adapt to ongoing accounting and regulatory changes that affect credit limits and exposure. Coordinate all aspects of a credit request, liaising with FAI relationship managers, business lines, legal staff, and Risk Division. Requirements: Must Have: Organize time and manage deliverables to deadlines Identify and accommodate shifting priorities with little notice Analyze and assess counterparty risk and financial condition utilizing quantitative and qualitative data. Complete work with minimal or no supervision Possess a high degree of enthusiasm and energy to learn a variety of financial institution industry sectors. Team player, interfacing with team members, front office bankers and salespersons, risk team, and clients. Proficiency using Word for written analysis and Excel for spreadsheet analysis Ability to acquire knowledge of 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 result(s) Ability to write concisely and in a way that conveys analysis and conclusions without minimal follow-up questions Develop competency with SG’s internal systems. 3+ years of overall credit analysis experience with focus on the insurance industry Bachelor’s degree from accredited university Nice-to-have: Knowledge of capital markets/traded products and committed financing facilities. Advanced Excel skills, and AI tools. LANGUAGE: Ability to communicate in English, both orally and in writing, is a requirement as the person in this position will need to collaborate regularly with colleagues and partners in the United States. Due to US Federal Securities law that may apply to this position, candidates who will apply for this position may be required to submit to an enhanced background screening, including the collection of their fingerprints by a third-party vendor selected by the Financial Industry Regulatory Authority ("FINRA"). Requirements: Must Have: Organize time and manage deliverables to deadlines Identify and accommodate shifting priorities with little notice Analyze and assess counterparty risk and financial condition utilizing quantitative and qualitative data. Complete work with minimal or no supervision Possess a high degree of enthusiasm and energy to learn a variety of financial institution industry sectors. Team player, interfacing with team members, front office bankers and salespersons, risk team, and clients. Proficiency using Word for written analysis and Excel for spreadsheet analysis Ability to acquire knowledge of 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 result(s) Ability to write concisely and in a way that conveys analysis and conclusions without minimal follow-up questions Develop competency with SG’s internal systems. 3+ years of overall credit analysis experience with focus on the insurance industry Bachelor’s degree from accredited university Nice-to-have: Knowledge of capital markets/traded products and committed financing facilities. Advanced Excel skills, and AI tools. LANGUAGE: Ability to communicate in English, both orally and in writing, is a requirement as the person in this position will need to collaborate regularly with colleagues and partners in the United States. Due to US Federal Securities law that may apply to this position, candidates who will apply for this position may be required to submit to an enhanced background screening, including the collection of their fingerprints by a third-party vendor selected by the Financial Industry Regulatory Authority ("FINRA"). 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/ ) D&I: Our Diversity & Inclusion Mission: Recruit, develop, advance, and retain a diverse workforce that is united in our efforts to enhance our competitive position and deliver innovative solutions to our clients. Our Diversity & Inclusion Vision: Engaged workforce that is demographically diverse in a way that reflects the communities in which we operate Inclusive culture and workplace that recognizes employees' unique needs and utilizes their diverse talents Engage our community and marketplace, and position the organization to meet the needs of all its clients For more information about our D&I initiatives, please visit this link ( https://americas.societegenerale.com/en/careers/get-know-diversity/ ) 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/ ) D&I: Our Diversity & Inclusion Mission: Recruit, develop, advance, and retain a diverse workforce that is united in our efforts to enhance our competitive position and deliver innovative solutions to our clients. Our Diversity & Inclusion Vision: Engaged workforce that is demographically diverse in a way that reflects the communities in which we operate Inclusive culture and workplace that recognizes employees' unique needs and utilizes their diverse talents Engage our community and marketplace, and position the organization to meet the needs of all its clients For more information about our D&I initiatives, please visit this link ( https://americas.societegenerale.com/en/careers/get-know-diversity/ )

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