Trainee: Credit Analyst

RESPONSIBILITIES

Credit analysis

• Conduct credit analysis for corporate counterparts by preparing concise, critical and well-argued credit proposals on new request and renewals of credit facilities.
• Evaluate and make recommendation on credit limits requested from coverage team and business lines based on bank’s risk appetite and client’s credit profile.
• Conduct regular and timely annual reviews and credit facility renewals.
• Review and assess client’s obligor rating at least annually, or as driven by special events and maintain valid ratings in the Bank’s rating tool.
• Continue to improve credit file productivity and processing efficiency and respond in timely manner to credit requests.
• Expedite and manage the credit approval process by liaising with relevant approvers and RISQ officers.
• Report significant business events, financial trends, industry developments and other relevant issues relating to financial position of clients
• Back up and support other credit analysts.
• Assist in special projects or assignments as requested by team head.

Reporting

Support for week deal flow generation, annual review tracking and monitoring, credit volume statistics and portfolio analytics. Also act as a back-up support to our data analyst within CRE.

Assist other credit analysts to monitor credit exposure/overshoots, concentration risk, financial covenants and credit conditions; verify data and support reporting requirements related to these areas.

Other requirements

Comply with applicable internal credit policies, procedures and the Banks’s code of conduct

Maintain a high level of personal integrity and uphold the bank’s ethical standard both in professional activities and personal conduct.

PROFILE REQUIRED 

• Degree in relevant discipline from a recognized university (MBA or other professional qualifications such as CFA or CPA or equivalent is preferred)
• Previous experience in a role of financial risk analysis or assistant corporate relationship manager is a plus
• Solid accounting, corporate finance, and credit analysis skills
• Strong problem-solving ability with analytical thinking
• Good knowledge in data analytics and related field
• Quick learner and ability to multi-task
• Attention to detail and ability to self-check
• Basic knowledge of different bank products, particularly commercial banking/transaction banking products, treasury products
• Basic knowledge of regulatory and business environment in Greater China
• Well versed in MS Office applications (Word, Excel, VBA, Microsoft Access, PowerPoint is a must)
• Good communication skills.  Fluent English and Mandarin Chinese language skills (both speaking and writing) are mandatory.
• French language skill is a plus.

This is a fixed term 12-month Trainee contract with Societe Generale. You will form part of the team on a full-time basis. In order to apply for the Trainee position, please ensure you have completed your qualification and will be available to work full time for the duration of the Trainee contract.

BUSINESS INSIGHT

Company Description

Societe Generale is one of the leading European financial services groups. Based on a diversified and integrated banking model, the Group combines financial strength and proven expertise in innovation with a strategy of sustainable growth. Committed to the positive transformations of the world’s societies and economies, Societe Generale seeks to build together with its clients, a better and sustainable future through responsible and innovative financial solutions. Active in the real economy for over 150 years, with a solid position in Europe and connected to the rest of the world, Societe Generale has over 117,000 employees   and supports 25 million individual clients, businesses and institutional investors worldwide (figures as of August 2023). We have a presence in 11 locations across Asia Pacific. With our regional headquarters in Hong Kong – a core hub of the worldwide Societe Generale Group – we employ around 2,300 employees in the region. In addition, Societe Generale's Global Solution Centre (SGGSC) in Bangalore and Chennai supports the Group in Asia Pacific and globally with customized business solutions.

Department Description

You will be a member of the Credit Management Group (“CRE”) and be based in Hong Kong. CRE, the analytical platform of Global Banking and Advisory division, support front office and business lines by providing corporate counterparty risk assessment on a transversal basis and client facing as required. Reporting to the Head of CRE, you will provide balanced and objective credit assessments to business requests and assume analytical responsibility to support the overall credit approval process for target corporate clients. You will also be expected to be a back-up support to our data analyst for internal reporting and statistics within our operational parameters.