Credit Analyst

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

Responsibilities

• Responsible for credit portfolio management functions covering the Commercial Real Estate, Aircraft and Leasing Business Lines.
• Assist senior members of the team in the preparation of CPM memos for reviews of new originations.
• Prepare annual credit reviews (including financial analysis, update of projections, market research, appraisal review and rating proposal) for assigned accounts.
• Update financial projections per internal requirements.
• Process amendments, waivers, and consents, including obtaining all required internal credit approvals.
• Responsible for credit monitoring and reporting including General and Specific Credit Triggers.
• Cooperate with internal MAI for the management of appraisals.
• Collateral monitoring ensuring performance.
• Perform quarterly asset reviews for watch‑list and provisioned loans and present findings in local and global meetings.
• Work in close collaboration with third‑party servicers and perform related oversight functions.
• Provide information on credit files to investors.
• Monitor limits in coordination with other groups.
• Participate in client and lender meetings.
• Prepare reports and responses to management inquiries on portfolios.
• Assume lead role in assigned projects.
• Assist in internal and external audits and examinations of portfolios.
• Participate in workout of troubled portfolio credits.

Technical Skills

• Experience in Commercial Real Estate.
• Cash‑flow modeling and valuation skills developed in a financial services environment.
• Proficient in Microsoft Word, Excel, PowerPoint and Outlook.
• Strong aptitude for learning and using SG systems.
• Argus training is a plus.

Competencies

• Strong financial and credit analytical skills.
• Strong interpersonal and communication skills.
• Strong problem‑solving and organizational skills; ability to prioritize and multitask.
• Proactive and able to work in a dynamic, deadline‑focused environment.
• Team player with the ability to work independently.
• Comfortable working with legal documentation.
• Client management skills.

Prior Work Experience

• Minimum 1 year of financial services experience, preferably in commercial real estate.
• Experience working with troubled credits, including workouts, is a plus.

Education

• Bachelor’s degree.
• MBA, CFA or formal credit training program is a plus.

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 a 401(k) plan with company match, medical/dental/vision coverage, and additional benefits for fertility, wellness, student loans and commuters.

Culture

At Societe Generale, we live by our four 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, maximizing 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.

Diversity, Inclusion & Belonging

Our DIB mission is to recruit, develop, retain and advance a talented workforce that is united in leveraging our talent and fostering an inclusive environment that enhances our competitive position and delivers innovative solutions to our clients. We strive to create a workplace where employee differences are valued and all employees feel engaged, supported, respected, and informed.

Additional Information

Societe Generale is committed to offering an inclusive recruitment experience to all candidates. If you require any reasonable accommodations during the recruitment process, please let our recruiters know.