CAIA's Career Center is an easy-to-use, comprehensive resource connecting job seekers with employers in the growing AI field. Use your knowledge and credibility to advance your career or build a talented team for your organization. Opportunities targeted to CAIA Charterholders are prioritized.
In order to search for jobs specifically for CAIA Charterholders or those pursuing the CAIA Charter please enter “CAIA” in the search panel.
This will enable you to search for CAIA specific roles globally.
About the Team: The Americas Credit Department is responsible for reviewing and approving all credit-related applications in the Americas. It is also responsible for approving internal ratings of bank clients.
Summary: This position requires an individual who can skillfully serve as a linchpin between the various stakeholders within the branches, agencies and other credit departments. The Credit Department VP must possess in-depth industry knowledge and have his/her finger on the pulse of market trends in order to make accurate recommendations to senior management approval or denial of credit requests.
Reviews/assesses credit applications from branches/agencies.
Provides 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.
Creates various types of projection/recovery/other financial models, commenting on the reasonableness of assumptions in both management's and Mizuho's sensitivity cases.
Compares the prospective borrower 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.
Directly engages in external meetings/presentations/events with syndicate banks, rating agencies, clients, law firms and other related parties, in co-ordination with coverage bankers, other product partners and Mizuho affiliates.
Proactively monitors and assesses 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.
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 between, gathers information (especially on problem customers) from and exchanges views with branches/agencies/other Credit Departments and senior management regarding issues related to credit applications, monitoring, analysis, standards and policies.
Qualifications: Proven credit analysis skills and related analytical skills/knowledge/abilities:
Demonstrates in-depth industry knowledge and information on key industry players within the consumer & retail or industrial industry.
Exhibits a capacity to analyze the underlying credit trends, 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 thoughtful cash flow projections.
Strong multitasking ability to proactively monitor on an on-going basis the pool of credits to detect potential credit problems at an early stage.
Undergraduate degree in Accounting, Business, Finance or Economics or strong quantitative background
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 Capital IQ, Bloomberg, MS Excel, Word and PowerPoint
Formalized credit training from an accredited financial institution (8+ years experience) and proficient financial modeling skills.
Company Overview Mizuho Americas is a leading financial institution comprising several legal entities, which together offer clients corporate and investment banking, financing, securities, treasury services, asset management, research and more. Mizuho's operations in the Americas connect a broad client base of major corporations, financial institutions and public sector groups to local markets and a vast global network. Mizuho Americas is an integral part of the Japan-based Mizuho Financial Group, Inc. (NYSE: MFG), which is comprised of offices in nearly 40 countries, approximately 60,000 employees, and assets of more than USD 1.8 trillion. Learn more at mizuhoamericas.com.
Mizuho Bank Ltd. 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 perform pre-employment substance abuse testing. #LI-MIZUHO