Credit Risk Analyst, Corporate & Structured Products Credit

$80,000 - $90,000/Yr

Mizuho Corporate Bank - New York, NY

Full-time - Entry Level

Hybrid - New York, NY

1,001-5,000 employees

Credit Intermediation and Related Activities

About the position

The Credit Risk Analyst role within the Corporate & Structured Products Credit (CSPC) Team at Mizuho Corporate Bank involves reviewing and approving credit-related applications in the Americas. The position requires providing analytical support to senior credit officers, assessing credit applications, and preparing detailed credit opinions with recommendations for approval or decline. The analyst will also monitor borrower exposure and ensure compliance with credit standards and policies.

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 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.
• Acts as liaison between other Credit Departments and senior management regarding issues related to credit applications, monitoring, analysis, standards and policies.

Requirements

• 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.
• 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.
• Excellent interpersonal skills.
• Capable of working well independently and in teams.
• Effectively analyzes and solves problems/issues.
• Proficiency with MS Excel, Word and PowerPoint.

Nice-to-haves

• An open mind, willing to learn new skills and unfamiliar industries.

Benefits

• Competitive total rewards package including salary and discretionary bonus.
• Generous employee benefits package.