Responsibilities
Preparing credit applications / annual reviews of counterparties to assess their credit quality, recommending appropriate credit limits, obligor rating, terms and conditions that address client credit risk and transaction risk.
Assure Annual Reviews and obligor risk ratings of assigned portfolio are done within prescribed timelines.
Assure post approval activities and other credit related tasks are completed on time.
Interact regularly with onshore stakeholders on deliverables and timelines and deliver as per expectations.
Reviewing all relevant legal documentation (i.e. credit agreements, Guaranty, ISDA, CSA) and proposing changes as necessary to comply with SG policies.
Ensure compliance with all applicable regulatory requirements and credit policies for the portfolios assigned.
Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality including monitoring covenants and watch list triggers.
Be proactive to take up adhoc and complex assignments while not impacting the scheduled annual reviews.

Qualifications
Strong financial analytical skills and understanding of accounting (local GAAP and IFRS), legal, and reulatory issues governing relevant sectors




Valuable understanding of various legal agreements (term sheet, Credit Agreement, ISDA & CSA, GMRA, GMSLA, SBLC agreement) and ability to assess credit terms and conditions, including financial covenants, security and collateral
Knowledge of capital markets / traded products, commercial financing facilities and investment banking products
Strong writing skills particularly assessing and summarizing financial transactions (credit requests, covenant waivers, etc.) and making a recommendation
Ability to prepare financial models / forecasts for various scenarios
Ability to complete work with minimal or no supervision and accommodate shifting priorities
Proficiency in MS Word, MS Excel, MS Power Point
Knowledge of market data tools like Thomson Reuters, Capital IQ, Bloomberg, SNL, etc.

Diversity & Equal Chance

We are committed to creating a diverse environment and are proud to be an equal chance employer. All qualified applicants receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.
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📌 Senior Credit Analyst Corporates Tamworth
🏢 Société Générale
📍 Tamworth