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Credit Risk Analyst, Corporate & Structured Products Credit

AT Mizuho
Mizuho

Credit Risk Analyst, Corporate & Structured Products Credit

New York, NY

About the Team:

The Corporate & Structured Products Credit (CSPC) Team is responsible for reviewing and approving all credit-related applications in theAmericas. It is also responsible for approving internal ratings of bank clients.

Summary:

We are seeking an individual who is open minded (to new skills and potential new industries, new fund finance markets & new structures). In this role, you will provide support to senior credit officers.

Responsibilities:

  • Reviews/assesses credit applications.
  • Provides effective analysis of credit including, financial structure, risk return, collateral risk profile, and identification of key transaction risks.
  • Creates various types of projection/recovery/otherfinancial models, commenting on the reasonableness of assumptions in both management's and Mizuho's sensitivity cases.

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  • Compares the prospective transaction to its peers and notes industry trends.
  • Prepares accurate, clear, well-organized and complete written summary/analysis (Credit Opinion) with recommendations for approval or decline. Discusses with branches/agencies potential changes to credit structure or other conditions for which we would grant credit approval.
  • Presents credit approval recommendations to senior management.
  • Thoroughly analyzes and recommends appropriate Borrower exposure to maximize risk return.
  • Recommends appropriate risk rating for each customer/transaction as required.
  • Proactively monitors and assesses assigned borrowers/industries or other appropriate indices and reports the information and its impact on credits/industries to Senior Management in a timely manner.
  • Complies with credit standards, policies, objectives and requirements. Plays strong management role with branches/agencies to ensure they understand and comply with the policies.
  • Acts as liaison betweenotherCreditDepartments and senior management regarding issues related to credit applications, monitoring, analysis, standards and policies.

  • Qualifications:

    Proven credit analysis skills and related knowledge:
    • Exhibits a capacity to analyze the underlying credit trends and financial structures, including the competence to accurately assess credit migration trends and default possibility of the borrowers.
    • Demonstrates credit skills/ability to accurately identify and evaluate underlying risk elements of the borrowers.
    • Aptitude to write well organized, accurate and in-depth reports based on information gathered and transaction risk analysis.
    • Strong multitasking ability to proactively monitor on an on-going basis the pool of credits to detect potential credit problems at an early stage.

    Otherskills:
    • Undergraduate degree in Accounting, Business, Finance or Economics or strong quantitative background.
    • An open mind, willing to learn new skills and unfamiliar industries.
    • Solid time management skills.
    • Ability to plan and schedule work to meet both long term and short term time frames.
    • Consistently demonstrates 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.
    • Effectively analyzes and solves problems/issues.
    • Proficiency with MS Excel, Word and PowerPoint

    The expected base salary ranges from $80,000 - $90,000. 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, successful candidates are eligible to receive a discretionary bonus.

    #LI-Hybrid

    Other requirements

    Mizuho 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 .

    Company Overview

    Mizuho Financial Group, Inc. is the 15th largest bank in the world as measured by total assets of ~$2 trillion. Mizuho's 60,000 employees worldwide offer comprehensive financial services to clients in 35 countries and 800 offices throughout the Americas, EMEA and Asia. Mizuho Americas is a leading provider of corporate and investment banking services to clients in the US, Canada, and Latin America. Through its acquisition of Greenhill, Mizuho provides M&A, restructuring and private capital advisory capabilities across Americas, Europe and Asia. Mizuho Americas employs approximately 3,500 professionals, and its capabilities span corporate and investment banking, capital markets, equity and fixed income sales & trading, derivatives, FX, custody and research. Visit www.mizuhoamericas.com .

    Mizuho Americas offers a competitive total rewards package.

    We are an EEO/AA Employer -M/F/Disability/Veteran.

    We participate in the E-Verify program.

    We maintain a drug-free workplace and reserve the right to require pre- and post-hire drug testing as permitted by applicable law.

    #LI-MIZUHO

    Client-provided location(s): New York, NY, USA
    Job ID: Mizuho-R5698
    Employment Type: Full Time