Reference:
24000MY3
Responsibilities
The Credit Analyst reports functionally to the Credit Manager of Regional Real Asset Infrastructure APAC and locally to the Co-Head of Real Asset Infrastructure APAC, based in Singapore, with the following responsibilities:
- Review loan documentation and related legal contracts.
- Ongoing risk management of transactions within portfolio.
- Analyze financial statements and other project reporting.
- Report on the construction progress or operating performance of the assets financed.
- Handling amendments/waivers/consent requests on portfolio transactions.
- Performing detailed annual/semi-annual/quarterly credit reviews
- Updating internal project ratings using internal rating model.
- Run sensitivity analysis on financial forecasts and models.
- Identify industry trends.
- Assess country, market and environmental risk
- Various ad hoc tasks & reports, papers, as requested.
- Working closely with ORI, DCS, Sector Heads, Portfolio Managers and Clients to facilitate client business development.
- Liaise with other departments within the bank (back office, RISQ, DFIN etc.) as well as external contacts (borrowers, facility agents, advisers i.e. legal, technical, valuers and insurance.)
- Full compliance with RISQ and CPLE guidelines in the conduct of business.
- Coordination with Senior Credit Analysts in AMER and EMEA regions to implement best practice and homogeneous processes and reports across regions.
- Provide training / knowledge sharing to Credit Analyst's to ensure high standard credit recommendations/decisions and upskilling of team.
Required
Profile required
Academic Background and Certifications, 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 SG/GBIS.
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 candidate will be notified.
Business insight
Company Description:
Societe Generale is 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 sustainable growth. Committed to the positive transformations of the world's societies and economies, Societe Generale seeks to build together with its clients, a better and sustainable future through responsible and innovative financial solutions. Active in the real economy for over 150 years, with a solid position in Europe and connected to the rest of the world, Societe Generale has over 117,000 employees in 66 countries and supports 25 million individual clients, businesses and institutional investors worldwide (figures as of August 2023). We have a presence in 11 locations across Asia Pacific. With our regional headquarters in Hong Kong a core hub of the worldwide Societe Generale Group we employ around 2,300 employees in the region. In addition, Societe Generale's Global Solution Centre (SGGSC) in Bangalore and Chennai supports the Group in Asia Pacific and globally with customized business solutions.
For more information, follow us on LinkedIn @Socit Gnrale or visit our website www.societegenerale.asia.
Department Description:
Credit Portfolio Management (CPM) works with the Global Banking and Advisory (GLBA) platform to structure private debt to service the needs of our clients through risk monitoring and backend execution in line with the overarching Originate to Distribute strategy. CPM provides coverage over various sectors including energy, metals and mining and infrastructure.
We are an
equal opportunities employer and we are proud to make diversity a strength for our company. Societe Generale is committed to recognizing and
promoting all talents, regardless of their beliefs, age, disability, parental status, ethnic origin, nationality, gender identity, sexual orientation, membership of a political, religious, trade union or minority organisation, or any other characteristic that could be subject to discrimination.
