Credit Analyst - Senior Director

Date: 11-Jun-2022

Location: London, GB

Company: Mizuho

We are currently recruiting for a Credit Analyst

 

Europe Credit Division’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 MEO Europe and Head Office on credit / risk line requests above the approval level of the Department.
•    Review and monitor the loan portfolio to maintain a balanced and quality driven asset base 
•    Review and monitor developments in emerging market countries under its jurisdiction.
•    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 matters relating to lending.


Duties and Responsibilities


1.    To provide analysis of the sovereign risk (economic risk, political risk and financial stability) of countries in which Mizuho Corporate Bank operates in the EMEA region, with a particular focus on Emerging EMEA (Former Soviet Union, Middle East, Turkey, North Africa and Sub-Saharan Africa).  Monitor developments by country , identifying major risk factors and investigating any adverse trends that may affect existing clients / quality of book; bringing these to the attention of Senior Management
2.    To carry out a thorough analysis of banks credit in the Emerging EMEA region.  Based on this, prepare credit reports and recommendations to the Management enabling a final credit judgment to be made 
3.    Where necessary in order to gain a better understanding of the credit, attend client meetings or make on-site and country visits 
4.    To initiate and/or undertake projects that will contribute to improved risk assessment of emerging countries.  Develop and maintain information sources relevant to emerging market countries under Europe Credit jurisdiction to the extent of being ready to exchange views and/or opinions with external organizations such as other banks, institutions, rating agencies and so on 
5.    To conduct credit reviews and assess internal ratings on a regular as well as on adhoc basis 
6.    Effectively liaise with, and provide guidance to, the business side on all credit and emerging market country risk related matters


Qualifications, Skills and Experience

 

Essential
•    A knowledge of, and passion for, the emerging markets.
•    Experience of analysing emerging market sovereigns in a financial institution, or financially focused research environment.
•    The ability to help in the approval of emerging market financial institutions as appropriate.
•    Experience of applying sovereign risk analysis to lending proposals in those countries.
•    Good Research Skills
•    Proven ability to learn (educated to degree level in a relevant discipline, probably Economics)
•    Good credit analysis and research skills.
•    Ability to understand and macro-economic data, financial stability data and financial institution balance sheets, P&L accounts and cashflows.
•    Knowledge of the Mizuho Bank culture, philosophy, structure and policies (including rating systems and procedures and lending / pricing guidelines).
•    Good oral and written communication / presentation skills and ability to communicate at all levels 
•    Computer literate - word-processing and Powerpoint.
•    Advanced spreadsheet skills to include model and chart building.
•    Ability to research subjects independently via Internet, Bloomberg, etc.
•    Ability to work in a time constrained and cross cultural environment
•    Knowledge of Rating Agency’s methodologies.
•    Knowledge of emerging market political, economic and legal structures.


Desirable  
•    Previous formal credit control experience.  
•    Experience of lending into emerging markets (Eastern Europe, Russia, Africa, Middle East)
•    Knowledge of EMEA legal and regulatory systems
•    Previous credit analysis experience, including the analysis of financial institutions and sovereign risk.
•    Knowledge of Economics and its application to the banking industry.
•    Attendance on internal or external Credit and related courses
•    Knowledge of an EMEA language - useful but not essential


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.  As such, we are happy to talk flexible working for this role such as reduced working hours.  The role will also include homeworking.  


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 – recruitment@mhcb.co.uk and we will be happy to help. 
 

 

 

 

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 
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