Negotiable
Overview
Credit Analyst - AVPWho are we? We are not your typical financial institution. It''s our people who make us a cut above. Here, every person is respected because of their differences, not in spite of them. We pride ourselves on a culture of purpose, passion and passion. At Mizuho, we provide the stability of an international industry leader with the career trajectory of a growing business. Our steady, strategic growth gives our people at all levels rewarding degrees of responsibility and a richer work experience than a boutique firm or an established giant could offer alone. Working for Mizuho opens doors not just to a rewarding career with excellent prospects, but to lasting friendships with colleagues from diverse cultures. It''s the local expertise of our employees that makes our global network so powerful. By collaborating with colleagues and clients who have your same ambition, you can amplify your sphere of influence and base of knowledge as part of one of the largest-and growing-banks in the world.What is the opportunity? Europe Credit Department''s principle responsibility is to maintain and monitor the quality of that part of the lending book falling within its jurisdiction (Europe, Africa and the Middle East), in accordance with Bank policy and the procedures contained in standard instructions.Responsibilities
Approve credit / risk lines up to the approval level of the General Manager / Department.Review and provide a recommendation to Head Office or the Head of Region on credit requests above the approval level of the Department.Review and monitor the loan portfolio to maintain a balanced and quality driven asset base.Disseminate and ensurepliance with bank credit policy, regulatory requirements and local laws.Act as a point of reference and maintain a constructive and supportive relationship with the Branches for all credit and lending related matters.What will you be doing?
To carry out a thorough analysis of credit applications and, based on this, prepare credit reports and recommendations to Senior Management enabling a final credit judgment to be made.Where necessary, in order to gain a better understanding of the credit, attend bank meetings and / or make on-site visits.Monitor developments across allocated product and industry sectors identifying major risk factors and, after investigating any adverse developments that may affect existing clients / quality of book, bring these to the attention of Senior Management.To conduct credit reviews and assess internal ratings on a regular as well as an adhoc basis.Effectively liaise with, and provide guidance to the business side on all credit related matters.What do you need to succeed?
Essential
Advanced credit analysis and research skills (including cash flow analysis / modelling) ideally gained in a mainstream-banking environment.Experience of lending to and analysing major corporate and ideally LBO finance propositions in the EMEA region (project, structured or asset backed experience also beneficial but not essential).Ability to fully understand and interpret balance sheets, PandL accounts and cash flows.Good oral and writtenmunication / presentation skills and ability tomunicate at all levels (presentations up to MEO).Ability to work in a time constrained and cross cultural environment.
Desirable
Degree educated with an ability to learn quickly.Previous formal credit control experience or some form of formal credit and / or accountancy training.Experience of lending into emerging markets (Eastern Europe, Middle East, Russia, Africa).Knowledge of EMEA legal and regulatory systems.Knowledge of the Mizuho Bank culture, philosophy, structure and policies (including rating systems and procedures and lending / pricing guidelines).Knowledge of a European language.Knowledge of Rating Agency''s methodologies.
What Mizuho can offer you
Here at Mizuho, there are fantastic progression opportunities and clear paths to promotion. We will give you ample opportunity to affect change and to help grow our business.Non-contributory pension27 days'' annual leaveCore working hours*Hybrid working - office and home based*Virtual GPWellbeing benefits, including Mental Health Allies and First Aiders*For applicable roles onlyAt Mizuho, we embrace flexible ways of working when the role permits. We offer different working arrangements like part-time, job-sharing and hybrid (office and home) working. Our purpose-led culture and global infrastructure help us connect, collaborate, and work together in agile ways to meet all our business needs.At Mizuho we aremitted to supporting equality, diversity and equality, and seek to create a workplace that is fully inclusive. We wee applications from all sections of themunity that we operate in and from all ethnic backgrounds, sexual orientation, beliefs, gender identities and disabilities.Job ID ..... full job details .....
Negotiable