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Real Assets - Real Estate and other Real Assets Senior Credit Officer
Risks
Permanent contract
New York, New York, United States
Hybrid
Salary from 174,000 to 330,000
Reference 26000E68
Start date 2026/09/21
Publication date 2026/06/30
Responsibilities
- Credit assessment of the counterparty and underlying asset(s) being traded/financed.
- Provide detailed explanation of the counterparty considered, including analysis of historical performance of existing activities, highlight the key risk factors.
- Provide an approval or recommendation for approval based upon the proposed limit(s) and tenor(s) being considered, document recommendation for final decision.
- Validation of Obligor Risk Ratings, Basle II parameters (LGDs), other financial metrics.
- Ongoing monitoring of the credit quality of the portfolio (portfolio review and early detection of deteriorating credits). Participation in the quarterly watch list review process.
- Track credit and market trends on individual asset classes.
- Assist the Portfolio Management and Governance team in the preparation of reporting for RISQ management and Regulators.
- Contribution to Bank’s credit policy guidelines and overall risk appetite.
- Participate in setting the global risk appetite for financing initiatives.
- Assessment of SGCIB new business initiatives (white papers, New Product Committees, business rules, etc.)
Profile required
DIVISION DESCRIPTION:
The Risk Management Department contributes to the sustainable growth of the Societe Generale group through its expertise, understanding of risks, and risk management techniques. The department’s mission is to independently analyze, assess, manage and monitor risk-taking activities with the objective of achieving, together with the first line-of-defense, the best possible outcome for the bank. The department oversees the enterprise, strategic, credit, market, liquidity, operational, model, and other risks of the corporate and investment banking business activities.
RISQ/CIB oversees the management of credit related to corporates, financial institutions and sovereign counterparties as well as country risk for the SG Group's activities.
RISQ/CIB's duties include setting specific credit policies for each of the main businesses in conjunction with General Management, the businesses lines and other RISQ divisions where appropriate. These credit policies establish (i) the general criteria for the acceptability of credit requests for each client category and/or type of facility, and (ii) exposure limits.
Senior credit risk and lending professional with broad experience approving credit lines, managing exposures, and monitoring collateral performance. You will be reporting to the Real Assets Team Head, focusing on Real Estate Financing.
SKILLS AND QUALIFICATIONS:
Must Have:
- 10+ years Credit Risk or similar role in U.S. Commercial Real Estate and CMBS markets with clear opportunity to expand into other Real Asset scopes including project finance.
- Broad knowledge of risks impacting Real Estate with specific expertise in credit risk
- Must have good knowledge of the US Market and regulatory practices
- Must have strong analytical and solid judgment skills with a proven ability to understand complex transactions / processes
- Demonstrated problem solving ability and capacity to work autonomously
- Must have a strong ability to manage multiple projects and issues simultaneously
- Strong collaboration skills required both across the risk division and with other partners such as business lines, legal and compliance teams
- Results focused, responsive, with strong strategic capabilities in terms of decision making and risk assessment
- Good English language writing skills, working knowledge of French is a plus
- Ability to work under pressure and to meet tight deadlines. Effective management of priorities
- Promoter of innovation and creativity
Business insight
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/)
DIVERSITY, INCLUSION & BELONGING (“DIB”):
Our DIB Mission: Recruit, develop, retain and advance a talented workforce that is united in our efforts to leverage our talent and further develop an inclusive environment that will enhance our competitive position and deliver innovative solutions to our clients. It seeks to foster an environment where employee differences are valued and where all employees feel engaged, supported, respected, and informed. For more information about our DIB initiatives, please visit this link: https://americas.societegenerale.com/en/careers/get-know-diversity/
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.
Diversity and Inclusion
Societe Generale is an equal opportunity employer, and we are proud to make diversity a strength for our company. We are committed to recognizing and promoting the talents and achievements of our employees and staff, regardless of race, religion, color, national origin, sex, disability, age, gender, sexual orientation, and any other characteristic or status protected under applicable law.
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Real Assets - Real Estate and other Real Assets Senior Credit Officer Permanent contract New York, New York, United States Hybrid Salary from 174,000 to 330,000
Responsibilities Profile required Business insight Diversity and Inclusion
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