The Credit Analyst reports functionally to the Credit Manager of Regional Real Asset Infrastructure APAC with the following responsibilities :
* Credit Risk Monitoring: Oversee real asset and infrastructure credit exposures, ensuring adherence to EBA guidelines with a strong focus on ESG factors.
* Active Risk Management: Conduct comprehensive credit reviews, handle amendments and waiver requests effectively.
* Obligor Ratings & Limits: Review and propose internal ratings for obligors, monitoring concentration levels to mitigate risk.
* Documentation & Covenant Review: Analyze loan documentation, legal contracts, and financial statements, ensuring compliance with all covenants and project reporting requirements.
* Project Analysis: Evaluate the construction progress and operational performance of financed assets, conducting sensitivity analyses on budgets and financial models.
* Portfolio Oversight: Monitor portfolios actively for early warning signals, proposing actionable solutions where needed. Manage watchlist clients and associated provisions.
* Market Assessment: Identify industry trends and assess country, market, and environmental risks to inform strategic decisions.
* Collaboration: Work closely with Origination teams, Sector Heads, Portfolio Managers, and Trading / Distribution to facilitate client business development, as well as external contacts (e.g. borrowers, facility agents, advisers, etc).
* Ad Hoc Reporting: Undertake various tasks and reports as requested, contributing to the organization's strategic objectives.
* Compliance Adherence: Ensure full compliance with RISQ and CPLE guidelines throughout all business activities.
Profile Required
Academic Background and Certifications, Experience
* Tertiary qualification in Finance, Commerce, Economics, Law, Accounting, Science or Engineering. Other qualifications may be considered subject to demonstrating genuine interest in Finance and relevant 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 Societe Generale.
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.
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