Credit Review Specialist Americas

1 week ago

New York, New York, United States Mizuho Corporate Bank Full time

About the Team

Credit Review provides the Board and bank management with an independent view of the quantity, quality and direction of credit risk in the America's portfolio. Summary

This position requires an individual with a strong credit analysis background covering corporate borrowers across various industry segments. The candidate will assist the Team in completing the annual review plan by conducting independent credit reviews to ensure compliance with Bank policies and procedures as well as adherence with regulatory guidelines thereby minimizing losses.

Responsibilities

  • Review facility underwriting and documentation, including collateral, repayment sources, risk appetite, leverage, enterprise valuations, and discounted cash flow analysis.
  • Assess the sufficiency of credit risk monitoring programs, relevant performance covenants, and monitoring guidelines and trigger events.
  • Evaluate borrower financial performance through the assessment of financial statements and credit risk metrics, including income statement, cash flow statement, balance sheet, and capital structure analysis.
  • Determine the accuracy of U.S. Regulatory Classifications and internal risks ratings / Head Office Customer Categorization.
  • Use knowledge of industry best practices, regulatory requirements, and professional experience to identify deficiencies and/or areas of improvement in Mizuho's credit risk management processes, procedures, and policies.
  • Verify the adequacy of the Allocation for Loan and Lease Losses (ALLL) procedures.
  • Perform regular Risk Assessments for assigned portfolio segments to accurately document Credit Review's current opinion of the quantity, quality, and direction of credit risk in the Mizuho America's portfolio.
  • Perform Continuous Monitoring reviews on assigned portfolio segments to enhance the early detection of credit risk in the Mizuho America's credit portfolio.

Policies & Procedures

  • Maintain expertise of the U.S. regulatory environments, including topical issues and new or pending laws/regulations that may affect banking and credit review.
  • Ensure consistency in the application of the risk rating process and risk evaluation through the various business units of the bank & its subsidiaries and the compliance of the same with all regulatory guidance.
  • Maintain in-depth knowledge of all policies and procedures related to lending, credit rating, and problem loan monitoring.
  • Maintain in-depth knowledge of assigned portfolio segments as assigned.

Qualifications

  • Successful completion of a formal financial services credit training program.
  • 7 or more years of credit related experience with a major financial institution and/or equivalent experience with a U.S. bank regulatory agency.
  • Bachelor's degree in Finance, Economics, Accounting, or Business Administration or equivalent work experience necessary.
  • Ability to work independently with minimal supervision.
  • Able to arrive at creative solutions; a self-starter.
  • Familiarity with a variety of credit products and willingness to learn new credit products.
  • Excellent interpersonal and negotiation skills.
  • Excellent verbal and written communications skills.
  • Advanced knowledge of the Microsoft Office suite of products.

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