Credit Risk Analyst, Corporate & Structured Products Credit (Finance)
About the Team:
The Corporate & Structured Products Credit (CSPC) Team is responsible for reviewing and approving all credit-related applications in the Americas. It is also responsible for approving internal ratings of bank clients.
Summary:
We are seeking an individual who is open minded (to new skills and potential new industries, new fund finance markets & new structures). In this role, you will provide support to senior credit officers.
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. Plays strong management role with branches/agencies to ensure they understand and comply with the policies.
- 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:
- 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.
Other skills:
- Undergraduate degree in Accounting, Business, Finance or Economics or strong quantitative background.
- An open mind, willing to learn new skills and unfamiliar industries.
- 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 MS Excel, Word and PowerPoint
The expected base salary ranges from $80,000 - $90,000. 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, successful candidates are eligible to receive a discretionary bonus.
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