Associate/Associate Director - Europe Credit Department (MK11244)
Mizuho Financial Group, Inc.
London, United Kingdom
6d ago

Job Description :

Associate AD Credit Anlayst ECD

Purpose :

Europe Credit Division’s (EUCR) 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. Specifically, EUCR will :

  • 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 ensure compliance 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.
  • Accountabilities and Responsibilities :

  • To carry out a thorough analysis of credit applications. 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 or make on-site visits.

  • Monitor developments across allocated 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 on ad hoc basis.
  • Effectively liaise with, and provide guidance to the business side on all credit related matters.
  • Knowledge & Skills : Essential

    Essential

  • Good 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 MBO propositions in the EMEA region
  • Ability to understand and interpret balance sheets, P&L accounts and cash flows.
  • Good oral and written communication / presentation skills and ability to communicate at all levels
  • Computer literate - word-processing / spreadsheet
  • Ability to work in a time constrained and cross cultural environment
  • Desirable :

  • Previous formal credit control experience / Some form of formal credit and / or accountancy training.
  • Experience of lending to Major Corporate and Structured (asset- backed, project & MBO) financing
  • 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 - useful but not essential
  • Knowledge of Rating Agency’s methodologies.
  • Key Behaviours / Competencies Required :

  • Thinking, Problem Solving and Decision Making
  • Initiative and Innovation
  • Delivery of Results & Time Management
  • Compliance
  • Business Awareness
  • Communication at all levels / Personal Effectiveness / Team working
  • Any personal data you provide will be processed in accordance with our Recruitment Privacy Notice. Please do not create an account or apply for any vacancy if you do not agree to the terms of our Recruitment Privacy Notice available at https : / / www.

    mizuho-emea.com / careers / corporate-banking-careers

    Mizuho Bank provides financial and strategic solutions for the increasingly diverse and sophisticated needs of international clients, focusing its efforts on serving major corporations, financial institutions, individuals and public sector entities.

    A relationship management approach to serving clients enables Mizuho Bank, together with group companies including Mizuho Trust & Banking and Mizuho Securities, to develop customised solutions in areas such as corporate, structured and project finance, transaction banking and risk management.

    With 81 offices outside Japan, Mizuho Bank offers both local experience and the ability to progress careers across its global business network.

    Mizuho Bank is a subsidiary of the Japan-based Mizuho Financial Group, Inc, one of the largest financial services companies in the world, with total assets of approximately US $1.

    8 trillion (as of March, 2016). Mizuho London Branch has over 850 employees, Mizuho Bank employs over 27,000 employees and is part of the Mizuho Financial Group employing over 56,000 in 900 offices inside and outside Japan.

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