The Senior Credit Officer position requires the candidate to approve and subsequently monitor the credit risk of their assigned portfolios.
Review new credit requests that are originated/analyzed by front office (1LOD) and recommend/opine on requests while summarizing Credit Assessment Group comments on a timely basis
Ensure that credit risks assumed by the Bank are properly identified, assessed, measured and managed/mitigated
Properly manage concentration risk at the single-name level and at the portfolio/regional level
Monitor credit quality post-origination on both a single name and portfolio basis using all available tools/sources of information
Use all necessary/available tools to validate all requests, ratings, loss given default values in a timely manner
Actively participate in the Watch List review process and maintain a regular dialogue with the Asset Recovery Team on general trends, specific issues and names in primary portfolio
Gain a good understanding of all internal industry guidelines and other transversal or regulatory guidelines to ensure that all requests comply therewith. In the event there is a breach, identify it in your comments, determine materiality thereof and escalate as required
Stay abreast of economic developments and market conditions that impact industry sectors and core names
Develop an active dialogue with other RISQ Officers in Europe or Asia with the goal of sharing information and thoughts on business line activities, relevant industry developments, and attaining a common RISQ approach across all teams
Demonstrated thought and execution leadership.
Strong analytical background, with deep and demonstrated experience in Energy/Infrastructure sectors (oil, gas, electric, LNG, renewable projects); single/pooled-asset transportation (toll roads, rail, airport, seaports); plus, one of corporate, fund, commodity (Trade Commodity Finance), structured multi asset financing, or leveraged loans
Subject matter expert with an ability to develop and evolve strategic risk appetite for a sector, asset class or business
Demonstrated proactive credit risk management and track record of problem recognition
Strong written and oral communication skills
Ability to communicate messages effectively and succinctly
Ability to prioritize and work in a dynamic, deadline-focused environment
Ability to work in a team environment
Maintain a high level of professionalism in all situations
Ability to mentor junior resources
Ability to build constructive working relationship with 1LOD and other internal groups
Challenge effectively and constructively 1LOD
Influence and leverage resources across the organization
TECHNICAL SKILLS Required:
Strong understanding of credit debt/derivative risk analysis
Proficient in Excel and Word
PRIOR WORK EXPERIENCE Required:
15+ years working in a Credit Risk or similar role where credit approval authority has been provided
Previous managerial experience, building and motivating teams
Experience working with internal and external regulators/auditors
Master's Degree or CFA
Bilingual English / French
Mentor team members at different levels of seniority
Responsibility for portfolios of credit risk
Manage governance processes, including managing committees
Risk Management: Employees should understand the institution's approach to risk management and their respective roles in supporting a strong risk culture.
At Société Générale, 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. Société Générale general 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.
Division Description: Société Générale Corporate & Investment Banking (SGCIB) is the third largest investment bank in the European Economic Area and is present in more than 75 countries around the world.
The RISQ Division's mission is to contribute to the development of the SG Group's activity by facilitating the objectives of the Business Lines while maintaining independent oversight through risk evaluation and monitoring. The RISQ division in the US supports all the activities in the Americas Region (US, Canada and Latin America), which is almost exclusively GBIS-oriented. All our positions are open to people with disabilities
Job code: 19000MQM Business unit: SG CIB Starting date: Immediate Date of publication: 18/09/2019
Internal Number: 6541133
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