About the TeamThe Financial Institutions & Counterparty Credit team (FICPC) is responsible for credit exposures and limits provided to financial institutions and private capital clients of Mizuho Americas. Key responsibilities are two-fold: (i) credit underwriting and approval, and (ii) ongoing monitoring of the portfolio.
SummaryThis position is to support the credit approval and monitoring process.
Core Responsibilities- Provide effective analysis of credit including, worthiness of applicant, loan structure, risk return, applicant operating profile and industry profile including historical profit and loss performance, financial condition and cash flow.
- Create various types of projection/recovery/other financial models, commenting on the reasonableness of assumptions.
- Compare the prospective borrower/counterparty to its peers and summarize industry trends.
- Prepare accurate, clear, well-organized and complete written summary/analysis (Credit Opinion) with recommendations for approval or decline. Discuss with branches/agencies potential changes to credit structure or other conditions for which we would grant credit approval.
- Recommend appropriate risk rating for each customer/transaction as required.
- Proactively monitor and assess assigned borrowers/industries including market data such as share price, EDF, CDS or loan secondary price or other appropriate indices and reports the information and its impact on credits/industries to Senior Management in a timely manner.
- Comply with credit standards, policies, objectives and requirements.
Qualifications- Bachelor's degree; major in Finance or Economics is a plus
- 3 -5 years of relevant banking/credit experience
- Technical Skills: Strong knowledge of Microsoft Office products including Excel, Work, and PowerPoint
- Proactive, curious self-starter who has an interest in pursuing a career in finance.
- Strong analytical and quantitative skills demonstrating the ability to assimilate new information, understand complex topics, and apply sound analysis and judgment.
- Knowledge of financial statements and accounting; ability to construct 3-statement cash flow models.
- Solid time management skills.
- Consistently demonstrate effective negotiation, verbal and written communication skills; ability to present credit package to decision maker.
- Excellent interpersonal skills; capable of working well independently and in teams.
The expected base salary ranges from $95,000 - $115,000. Salary offers are based on a wide range of factors including relevant skills, training, experience, education, and, where applicable, certifications and licenses obtained. Market and organizational factors are also considered. In addition to salary and a generous employee benefits package, including Medical, Dental and 401K plans, successful candidates are also eligible to receive a discretionary bonus.
Other requirementsMizuho has in place a hybrid working program, with varying opportunities for remote work depending on the nature of the role, needs of your department, as well as local laws and regulatory obligations. Roles in some of our departments have greater in-office requirements that will be communicated to you as part of the recruitment process
