Credit Analyst

About the team

The 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. This position is to support the credit approval and monitoring process.

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