Job Description

• 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 analyzing information to present sound recommendations.

Core 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 adhoc basis.
• Effectively liaise with, and provide guidance to the business side on all credit related matters.

Required Knowledge, Skills, and Abilities

• Advanced credit analysis and research skills (including cash flow analysis / modelling) ideally gained in a mainstream-banking environment.
• Experience of lending to and analyzing 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 (useful but not essential):
 

• 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.