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Senior Credit Analyst
Corporate & Investment banking
Permanent contract
Montreal, Quebec, Canada
Hybrid
Reference 25000KOQ
Start date 2026/09/07
Publication date 2026/07/28
Responsibilities
DEPARTMENT DESCRIPTION
Global Banking and Advisory (GLBA) combines wholesale coverage with world-class product financing and advisory expertise within one team.
GLBA Overview: We provide our issuer clients (corporates, financial institutions, public sector) with capital raising solutions, along with structured financing and commodities, forex, and interest rate hedging. Developing tailor-made products and providing strategic advice (capital structure advisory, financing schemes and capital markets) based on our worldwide expertise and in-depth sectorial knowledge, we aim to meet their financing needs. We are a top player across euro debt capital markets and won many international accolades over the years as a worldwide leader in export, project and natural resources & energy finance.
Credit Portfolio Management (“CPM”) Overview: CPM Manages the assets held across GLBA. CPM has three verticals: (i) corporates (investment grade and non-investment grade), (ii) real assets (real estate, energy, infrastructure, etc.) and (iii) financial assets (capital call facilities, middle market lending, etc.). CPM actively manages the portfolio of GLBA to maximize profitability and contribute to investment banking idea generation across M&A, ECM and Leveraged Finance for new transactions. We approve all transactions that enter the portfolio and actively work with investors to support the distribution of the portfolio across asset classes.
RESPONSIBILITIES INCLUDE THE FOLLOWING:
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Manage a portfolio of large North American corporate clients in designated sector [TBD].
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Prepare high quality credit applications and annual reviews on assigned portfolio, recommend appropriate credit limits, terms and conditions. This includes financial statements analysis (P&L, BS, and CF), a review of the client’s strategy, its business risk, industry dynamics, competitive environment;
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Prepare and review financial projections, determine debt repayment capability as well as assure compliance with SGUS Credit Policies;
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Propose and update Obligor Risk Ratings;
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Actively follow and analyze credit risks (covenant compliance follow up, Unlikely-To-Pay events management, reporting of financial ratios and other key metrics, etc.)
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Review all relevant legal documentation (i.e. credit agreements, Guarantee, ISDA, CSA) and propose changes as necessary to comply with SGUS policies;
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Contribute to CPM mission on capital efficiency, asset rotation, portfolio hedging and profitability optimization;
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Liaise with other CPM teams in the US, Europe and Asia, business lines, Bankers, legal & compliance, operations, and Risk department;
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The responsibilities and duties associated with this role may evolve over time to meet changing business needs and the ongoing development of the position.
Profile required
COMPETENCIES
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Strong financial analytical skills;
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Ability to assess credit terms and conditions including financial covenants, security and collateral;
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Strong understanding of commercial and investment banking products;
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Ability to work in a team including interacting with teams located in other locations (US, India, Europe);
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Strong writing skills particularly assessing and summarizing financial transactions (credit requests, covenant waivers, etc.);
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Strong understanding of the accounting, legal and regulatory issues governing relevant sectors;
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Ability to investigate/research/synthesize data and make appropriate conclusions as to what is causing the observed results
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Ability to analyze and evaluate counterparty risk and financial condition utilizing quantitative and qualitative data.
TECHNICAL SKILLS
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Strong understanding of finance and accounting principles;
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Experience preparing financial projections under various scenarios;
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Proficiency using Word for written analysis and Excel for spreadsheet analysis
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Knowledge of capital markets/traded products and committed financing facilities.
PRIOR WORK EXPERIENCE
Languages: French and English
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 applying to this position, candidates who will apply for this position will 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”).
Why join us
OUR BENEFITS:
WHAT WE DO DIFFERENTLY AT SOCIÉTÉ GÉNÉRALE
Competitive compensation & benefits offering, including but not limited to:
- Minimum of 20 Vacation days + 4 personal days
- Supportive Maternity, paternity, parental and adoption leave policy
- Health spending ($2,000/year) and personal spending ($1,000/year) accounts with 75+ eligible reimbursement categories (health, training, electronics etc.)
Fully sponsored virtual healthcare assistance and Employee Assistance Program to you and your immediate family Various Employee Resource Groups (ERG) to engage with such as Pride and Allies, American Women Network, Black Leadership Network, One planet, etc.
- A culture of continuous development by encouraging our employees various training programs (online training and coaching platform such as Coursera, GoFluent, Pluralsight, First Finance, and others)
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/)
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
HYBRID WORK ENVIRONMENT:
Societe Generale offers a hybrid work arrangement that offers employees the flexibility to work remotely, as well as on-site, in order to promote interaction and collaboration with colleagues while adhering to all SG standard protocols. Hybrid work arrangements vary based on business area. The applicable business lines will determine and communicate the work arrangements that best meet their business needs.
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.
We strive to write our postings as inclusively as possible. If, however, one gender is used alone in this display, it designates persons of all gender identities.
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Senior Credit Analyst
Permanent contract
Montreal, Quebec, Canada
Hybrid
Responsibilities Profile required Why join us Business insight Diversity and Inclusion
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