Please note that this is a 12 month fixed-term contract position.
Profile Summary
Europe Credit Department's (ECD) 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, ECD 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.
The ideal candidate for this role is delivery focused with a thorough understanding of credit analysis techniques, and an excellent track record of analysing information to present sound recommendations.
Duties And Responsibilities
* To carry out a thorough analysis of credit applications and, 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 and / or make on-site visits.
* Monitor developments across allocated product and 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 an ad hoc basis.
* Effectively liaise with, and provide guidance to the business side on all credit related matters.
Essential
Qualifications, Skills and Experience
* Advanced 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 ideally LBO finance propositions in the EMEA region (project, structured or asset backed experience also beneficial but not essential).
* Ability to fully 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 (presentations up to MEO).
* Computer literate on Microsoft Word, Excel and Powerpoint.
* Ability to work in a time constrained and cross cultural environment.
Desirable
* Degree educated with an ability to learn quickly.
* Previous formal credit control experience or some form of formal credit and / or accountancy training.
* 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.
* Knowledge of Rating Agency's methodologies.
We champion a flexible work environment, as we understand the need for people to meet other commitments or simply strike a good work-life balance.
At Mizuho we are committed to supporting equality and diversity, and seek to create a workplace that is fully inclusive. We welcome applications from all sections of the community that we operate in and from all ethnic backgrounds, sexual orientation, beliefs, gender identities and disabilities.
If you require more information about our equal opportunities policy or wish to discuss any accessibility requirements or reasonable adjustments please contact the recruitment team – and we will be happy to help.