Senior Credit Analyst - Credit Portfolio Management – Real Assets and Infrastructure

Corporate & Investment banking

Permanent contract

Montreal, Quebec, Canada

Hybrid

Reference 2600083M

Start date Immediately

Publication date 2026/04/27

Responsibilities

About the opportunity:

The Real Assets and Infrastructure (“RAI”) group within Credit Portfolio Management (CPM) AMER is seeking a Senior Credit Analyst (Vice President) to be based in Société Générale’s Montreal office.

The role is responsible for the ongoing credit portfolio management of complex project finance transactions across The Americas, covering Energy (Power, Renewables, Midstream & Downstream O/G, Energy Transition), and Metals & Mining assets.

The position focuses on post‑closing credit risk management, including transaction monitoring, review and processing of amendments and waivers, annual portfolio reviews, and close interaction with internal stakeholders across Origination (Business Lines), Risk, and Legal (among other departments).

About Credit Portfolio Management (CPM) at Société Générale:

Credit Portfolio Management (CPM) is a specialized function within Société Générale’s Global Banking and Advisory (GLBA) division. CPM oversees the bank’s credit portfolios, focusing on credit risk monitoring, portfolio optimization, and capital efficiency across a wide range of asset classes and sectors.

Within CPM, the Real Assets and Infrastructure (RAI) group plays a critical role in managing credit exposures related to large‑scale energy, metals & mining, and infrastructure projects. RAI is responsible for monitoring the performance and risk profile of complex project finance transactions throughout their lifecycle—from construction through ongoing operations. By leveraging sector expertise and applying rigorous portfolio management practices, RAI supports the successful execution of major projects while safeguarding the bank’s interests and optimizing its capital allocation.

What will you do?

As a Senior Credit Analyst in the CPM RAI team, you will be responsible for the independent management and credit oversight of an assigned project finance portfolio across Energy (renewables, battery storage, midstream & downstream oil/gas assets, and energy transition) and Metals & Mining assets, covering the full post‑closing lifecycle, including:

Ongoing Credit Monitoring:

Monitor counterparties and underlying projects, including construction progress, operational and financial performance, and covenant compliance
Identify early warning signals and contribute to Watch List designation and provisioning assessments for challenged transactions
Participate, where required, in the management of stressed or underperforming credits

Periodic Credit Reviews & Risk Assessment:

Prepare annual credit reviews, including financial analysis, cash flow model review, rating assessment, and forward‑looking risk evaluation
Assess debt service coverage, liquidity, structural protections, and overall credit quality
Prepare quarterly reporting for underperforming assets
Assess and propose internal classifications and obligor ratings
Review and process amendment, waiver, and consent requests, including analysis of proposed project and documentation changes, assessment of credit risk implications, and preparation of internal credit memoranda with recommendations
Participate in the onboarding of tax equity counterparties, including credit assessment and review of transaction documentation
Manage term conversions of project finance transactions, including review of the post‑conversion credit profile, repayment of tax credit transfer and tax equity bridge loans, related documentation changes, and ongoing monitoring considerations.
Coordinate internal approval processes with Risk Management and Origination/Business Lines

Portfolio Governance & Reporting:

Prepare quarterly portfolio reviews, including Watch List reporting and risk commentary
Contribute to portfolio dashboards and exposure analyses by sector, region, and risk rating
Support regulatory reporting (including Shared National Credit) and internal/external audits
Assist in internal and external audits and examinations of portfolios from a credit risk standpoint
Support secondary sales and other portfolio risk‑transfer transactions involving project finance assets
Provide ad-hoc support for requests from senior team members, including preparing portfolio insights and deal-specific information

Stakeholder Engagement

Engage with borrowers and agents, as appropriate, on post‑closing matters including information requests, covenant compliance, and transaction‑related discussions.
Work closely with Origination, Risk, Legal, Middle Office, and Asset Recovery teams

What you will gain:

Exposure to complex, large‑scale project finance transactions across the Americas
Opportunity to further develop expertise in Energy transition and Metals & Mining.
Hands‑on experience within a global banking platform with cross‑functional collaboration
Enhanced analytical, judgment, and portfolio management skills at a senior credit level
Opportunity to work with AI-driven tools adopted to enhance efficiency, analysis, and decision-making in credit portfolio management

Profile required

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").

Profile required

Must Have:

Minimum 5+ years of direct, relevant experience in project finance or structured finance, gained within banking, advisory, or sponsor‑side platforms (investment funds, developers, etc.)
Hands‑on experience across the project finance lifecycle, including construction and operational phase.
Strong financial and credit analysis skills, including cash flow modeling and risk assessment
Solid understanding of project finance structures and documentation, including credit agreements and covenant frameworks
Ability to independently manage project finance deals and prioritize multiple tasks in a deadline‑driven environment
Strong written and verbal communication skills, with the ability to articulate credit views clearly and concisely
Proven ability to work collaboratively within cross‑functional teams
High level of fluency in English (spoken and written), with the ability to collaborate regularly with borrowers, sponsors, and internal stakeholders, as well as with Agents, Independent Engineers, Outside Counsel, etc.
Education - Bachelor’s degree
Fluent with Microsoft Word, Excel, PowerPoint and Outlook.
Ability to effectively leverage AI‑enabled tools to enhance financial analysis, research, and documentation review, while maintaining sound credit judgment, data confidentiality, and accountability

Strongly Preferred:

Exposure to Energy (including renewables) is strongly preferred, and/or Metals & Mining sectors (both extraction and manufacturing)
Familiarity with renewable energy technologies, industry trends, tax credits, and tax equity structures
Prior experience in credit portfolio management, amendments/waivers, or post‑closing credit oversight
Education - Master’s degree and/or CFA
Knowledge of cash flow modeling and analysis and valuation skills developed in a financial services environment

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

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.

Senior Credit Analyst - Credit Portfolio Management – Real Assets and Infrastructure Permanent contract Montreal, Quebec, Canada Hybrid

Responsibilities Profile required Business insight Diversity and Inclusion

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