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Equipment Finance - Credit Analyst
Societe Generale
Jersey City, NJ, United States
Job Details - this job has expired, please see similar jobs below
Environment
DEPARTMENT DESCRIPTION
SG Equipment Finance is part of the international banking group Société Générale, one of the top ten banks in the world. SG Equipment Finance has enjoyed the number one position for equipment and vendor finance in Europe since 2002. SG Equipment Finance was established in the United States almost ten years ago and is rapidly growing into a top provider of equipment financing. The Group focuses on multinational and local vendors looking for a financing partner with an international outlook and independent equipment lessors looking for reliable funding partners.
SG Equipment Finance is currently seeking a Credit Analyst with preferably 3-5 years of credit underwriting experience.
Mission
RESPONSIBILITIES
SG Equipment Finance USA Corp. is seeking a qualified and self-motivated Credit Analyst with experience in underwriting for its office location in Jersey City, NJ, directly reporting to the Deputy Chief Risk Officer. Core responsibilities include:
Transaction review:
• Create financial spreads and perform credit analysis, identify risk factors and prepare the credit write up and recommendation.
• Analyze personal credit information including personal financial statements and tax returns.
• Review the asset to be financed or leased: understand the justification of the equipment, collateral valuation, depreciation and gap analysis.
• Support the documentation team and review document packages for final approval and funding as necessary.
Validation of Obligor ratings, Basle II parameters (LGDs), concentration metrics:
• Experience and proficiency with risk rating software a plus.
Vendor review:
• Review the vendors from a financial standpoint and participate in the due diligence on new and existing vendors.
Annual reviews:
• Perform annual reviews on clients and vendors.
Projects:
• Handle other projects/tasks related to credit as needed.
Profile
TECHNICAL SKILLS
Required:
• A detailed understanding of accounting and financial statements.
• Knowledge of lease/ loan documentation structures.
• Proficiency in Microsoft Office products (Word, Excel).
• Spanish speaking, a plus.
• Good writing and negotiating skills.
COMPETENCIES
Required:
• Strong interpersonal, communication (written and verbal) and partnering skills. A “team” player.
• Strong analytical, problem-solving, and organizational skills.
• Ability to multi-task and handle various ad-hoc requests. Ability to be creative in structuring.
• Proactive, detail-oriented, driven to work in a fast learning environment.
• Ability to prioritize and work in a dynamic, deadline-focused environment.
PRIOR WORK EXPERIENCE
Required:3-5 years of credit underwriting experience or similar role.
EDUCATION
Required: BA/BS in Finance, Accounting or Business Administration. Formal credit training preferred.
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