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Mizuho · 1 day ago

Credit Analyst – REIT Financing

New York, NY

Full-time

Hybrid

Mid, Senior Level

$95K/yr - $180K/yr

5+ years exp

Mizuho Americas is a leading financial institution offering a range of corporate and investment banking services. The Credit Analyst role focuses on credit analysis for real estate-related industries, providing recommendations for credit approvals and ongoing monitoring of borrowers.

BankingFinancial ServicesImpact Investing

Comp. & Benefits

H1B Sponsor Likely

Responsibilities

Reviews/assesses credit applications from branches/agencies

Provides effective analysis of credit including credit worthiness of the applicant, loan structure, risk return, the applicant’s operating, financial and industry profiles including historical profit and loss performance, financial condition and cash flow

Creates various types of projection/enterprise valuation/recovery/other financial models, commenting on the reasonableness of assumptions in both management’s and Mizuho’s sensitivity cases

Compares the prospective borrower to its peers and summarize industry trends

Prepares accurate, clear, well-organized and complete written summary analysis (credit opinion) with recommendation for approval or decline. Discusses with branches/agencies potential changes to credit structure or other conditions for which we would grant credit approval

Through a careful analysis, recommend appropriate risk rating for each customer/transaction as required

Conduct comprehensive annual review and quarterly review of each customer

Directly engages in external meetings/presentations/events with syndicate banks, rating agencies, clients, law firms and other related parties, in co-ordination with coverage bankers, other product partners and Mizuho affiliates

Proactively monitors and assesses assigned borrowers/industries including market data such as share price, EDF, CDS or loan secondary price or other appropriate indices and reports the information and its impact on credits/industries to senior officers in a timely manner

Complies with credit standards, policies, objectives and requirements. Plays strong management role with branches/agencies to ensure they understand and comply with the policies

Acts as liaison between, gathers information (especially on problem customers) from and exchanges views with branches/agencies/other Credit Departments and senior management regarding issues related to credit applications, monitoring, analysis, standards and policies

Qualification

Credit analysisFinancial modelingIndustry knowledgeExcel proficiencyCommunication skillsMultitasking abilityPlanningSchedulingWritten reportingCapital IQ proficiencyBloomberg proficiencyMS Office proficiencyLeadership skillsTime managementProblem-solvingInterpersonal skillsNegotiation skillsTeamwork

Required

Proven credit analysis skills and related analytical skills/knowledge/abilities

Demonstrates strong industry knowledge and information on key industry players within the real estate, home building, and engineering & construction industries

Exhibits a capacity to analyze the underlying credit trends, including the competence to accurately assess credit migration trends and default possibility of the borrowers

Aptitude to write well organized, accurate and in-depth reports based on information gathered and thoughtful cash flow projections

Strong multitasking ability to proactively monitor on an on-going basis the pool of credits to detect potential credit problems at an early stage

Advanced knowledge of Excel and experience with building comprehensive cash flow projection model

Strong leadership skill and ability to work with junior officers

5+ years of credit-related experience – banking experience preferred

Degree in Accounting, Business, Finance or Economics with strong quantitative background

Strong time management skills

Ability to plan and schedule work to meet both long term and short term time frames

Consistently demonstrates effective negotiation, verbal and written communication skills

Ability to present credit opinion to decision maker

Excellent interpersonal skills

Capable of working well independently and as part of the team

Effectively analyzes and solves problems/issues

Proficiency with Capital IQ, Bloomberg, MS Excel, Word and PowerPoint

Formalized credit training from an accredited financial institution and proficient financial modeling skills

Benefits

Medical

Dental

401K plans

Discretionary bonus

Company

Mizuho

This is not your typical financial institution. It’s our people who make us a cut above.

Tokyo, Tokyo, JPN

10001+ employees

https://www.mizuhogroup.com

H1B Sponsorship

Mizuho has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

Represents job field similar to this job

Trends of Total Sponsorships

2025 (49)

2024 (23)

2023 (43)

2022 (12)

2021 (10)

2020 (1)