Senior Credit Analyst - Credit Portfolio Management – Assets and Infrastructure

The role is responsible for the ongoing credit portfolio management of project finance transactions across The Americas, covering primarily Infrastructure and Digital Technology (Data Centers, Fiber and Core Infrastructure), but also including Energy (Power, Renewables, Midstream & Downstream O/G, Energy Transition), and Metals & Mining assets.

The position focuses on post‑closing credit risk management, including transaction monitoring, review and processing of amendments and waivers, annual portfolio reviews, and close interaction with internal stakeholders across Origination (Business Lines), Risk, and Legal (among other departments).

The role also serves as an “AI Champion” for CPM, with global recognition and impact via efficiency gains achieved through effective deployment of AI tools, and engagement in AI pilot projects.

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.

Within CPM, the Real Assets and Infrastructure (RAI) group plays a critical role in managing credit exposures related to Infrastructure (including Digital Infrastructure), Energy and Metals & Mining projects. RAI is responsible for monitoring the performance and risk profile of complex project finance transactions throughout their lifecycle—from construction through ongoing operations. By leveraging sector expertise and applying rigorous portfolio management practices, RAI supports the successful execution of major projects while safeguarding the bank’s interests and optimizing its capital allocation.

As a Senior Credit Analyst in the CPM RAI team, you will be responsible for the independent management and credit oversight of an assigned project finance portfolio across Infrastructure and Digital Technology, Energy (renewables, battery storage, midstream & downstream oil/gas assets, and energy transition) and Metals & Mining assets, covering the full post‑closing lifecycle, including:

• Monitor counter parties and underlying projects, including construction progress, operational and financial performance, and covenant compliance
• Identify early warning signals and contribute to Watch List designation and provisioning assessments for challenged transactions
• Participate, when required, in the management of stressed or underperforming credits

• Prepare annual credit reviews, including financial analysis, cash flow model review, rating assessment, and forward‑looking risk evaluation
• Assess debt service coverage, liquidity, structural protections, and overall credit quality
• Prepare quarterly reporting for underperforming assets
• Assess and propose internal classifications and obligor ratings
• Review and process amendment, waiver, and consent requests, including analysis of proposed project and documentation changes, assessment of credit risk implications, and preparation of internal credit memoranda with recommendations
• With respect to Renewable Energy Projects, participate in the onboarding of tax equity counter parties, including credit assessment and review of transaction documentation
• Manage term conversions of Energy project finance transactions, including review of the post‑conversion credit profile, repayment of tax credit transfer and tax equity bridge loans, related documentation changes, and ongoing monitoring considerations.
• Coordinate internal approval processes with Risk Management and Origination/Business Lines
• Prepare quarterly portfolio reviews, including Watch List reporting and risk…