Based on this, prepare credit reports and recommendations to Senior Management enabling a final credit judgment to be made and ensure that transactions comply with respective credit policies. Where necessary, in order to gain a better understanding of the credit, attend bank meetings and / or make on-site visits.

Proactively monitor developments across allocated product and industry sectors identifying major risk factors and, after investigating any adverse developments that may affect existing clients and / or 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.

Together with the Team Lead to act as a direct interface between CIB CR and the respective front office origination and portfolio management teams.

Essential Qualifications, Skills, and Experience

• Advanced credit analysis and research skills (including cash flow analysis and financial modelling), ideally gained in a mainstream-banking environment.
• Experience of lending to and analysing of project finance propositions in EMEA region.
• Desire, willingness and ability to expand responsibility for analysis and review of other areas like infrastructure finance and real estate finance.
• Solid understanding of financial markets.
• 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.
• 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.

Core Competencies

• Be a self-starter and team player.
• Be able to deliver under tight deadlines and various timelines.
• Ability to work on multiple transactions and ability to prioritize.
• Ability to work under pressure.
• Demonstrate rational and problem solving attitude.
• Attention to detail and strong organizational skills.
• Have strong communication skills.
• Able to build effective working relationships with key stakeholders.
• Be Initiative and business aware.
• Compliance.

What Mizuho Can Offer You

Here at Mizuho, there are fantastic progression opportunities and clear paths to promotion. We will give you ample opportunity to affect change and to help grow our business.

In addition to the great opportunity outlined above we are also currently able to offer:

• Competitive starting salary, plus discretionary bonus
• Non-contributory pension
• 27 days’ annual leave
• Core working hours*
• Hybrid working - office and home based*
• Virtual GP
• Wellbeing benefits, including Mental Health Allies and First Aiders

For applicable roles only

At Mizuho, we embrace flexible ways of working when the role permits. We offer different working arrangements like part-time, job-sharing and hybrid (office and home) working. Our purpose-led culture and global infrastructure help us connect, collaborate, and work together in agile ways to meet all our business needs.

At Mizuho we are committed to supporting equality, diversity and equality, 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@mizuhoemea.com and we will be happy to help.