The posting
About the Team and Position:
Infrastructure Finance group is responsible for credit analysis/approvals and portfolio management of credits in several sectors including digital infrastructure; oil and gas; power and transmission; renewable energy, transportation; and water and wastewater.
This position provides (i) a great opportunity to cover challenging credits in the Infrastructure Finance space, (ii) exposure to a variety of industries/sectors iii) strong visibility with senior and executive management, and (iv) exciting career growth prospects. Credit Officer’s main responsibility entails the review of credit applications submitted by the front office (1LoD) and to prepare executive summaries for the management of the Credit Department. Responsibilities also include monitoring performance of credits in the portfolio and ensuring credit are rated appropriately.
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/other financial models, commenting on the reasonableness of assumptions in both management’s and Mizuho’s sensitivity cases.
- Compares the prospective transaction to its peers and industry trends.
- Prepares accurate, clear, well-organized and complete written summary/analysis (Credit Opinion) with recommendations for approval or decline.
- 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.
- If required, directly engage 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 or other appropriate indices and reports the information and its impact on credits/industries to Senior Management in a timely manner.
- Acts as liaison between other Credit Departments and senior management regarding issues related to credit applications, monitoring, analysis, standards and policies.
Qualifications:
Proven credit analysis skills and related knowledge:
- Demonstrates in-depth knowledge of the structure and information on key players within Infrastructure and structured finance markets.
- 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 to detect potential credit problems at an early stage.
Education / Other skills:
- Undergraduate degree in Accounting, Business, Finance or Economics or strong quantitative background. MBA or CFA is desired.
- An open mind, willing to learn new skills
- 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 (5+ years’ experience) and proficient financial modeling skills.
The expected base salary ranges from $152,500 - $185,000. 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.
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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.
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