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Mizuho · 5 hours ago

Credit Review Americas - VP

New York, NY

Full-time

Hybrid

Mid, Senior Level

$175K/yr - $200K/yr

7+ years exp

Mizuho is a leading provider of corporate and investment banking services. The Credit Review Americas - VP will conduct independent credit reviews to ensure compliance with bank policies and regulatory guidelines while communicating credit risk management weaknesses to senior management.

BankingFinancial ServicesImpact Investing

Comp. & Benefits

H1B Sponsor Likely

Responsibilities

In the course of performing individual credit reviews, use professional expertise to opine on the adequacy of facility underwriting and documentation, including, but not limited to, collateral, repayment sources, risk appetite, leverage, enterprise valuations, discounted cash flow analysis

Assess the sufficiency of credit risk monitoring programs, relevant performance covenants and monitoring guidelines and trigger events. Ensure all credit extensions are made in compliance with Mizuho’s lending policies and procedures and regulatory guidelines

Evaluate borrower financial performance through the assessment of financial statements and credit risk metrics, including income statement, cash flow statement, balance sheet and capital structure analysis. Evaluate the financial performance against all base and stress-scenario financial projections as required

Determine the accuracy of U.S. Regulatory Classifications and internal risks ratings / Head Office Customer Categorization, Recommend, document and fully support all changes to the same in the accordance with Credit Review’s position as final arbiter

Use knowledge of industry best practices, regulatory requirements and professional experience to identify deficiencies and/or areas of improvement in Mizuho’s credit risk management processes, procedures and policies

Verify the adequacy of the Allocation for Loan and Lease Losses (ALLL) procedures as required

Perform regular Risk Assessments for assigned portfolio segments to accurately document Credit Review’s current opinion of the quantity, quality and direction of credit risk in the Mizuho America’s portfolio. Maintain regular contact with front office, credit, audit and compliance colleagues, and utilize third-party resources and professional networks, to provide as accurately and timely an assessment as possible

Perform Continuous Monitoring reviews on assigned portfolio segments to enhance the early detection of credit risk in the Mizuho America’s credit portfolio and enhance Credit Review’s Risk Assessment process

Draft potential review issues for discussion with relevant Reviewer-in-Charge, Credit Review management and with review targets as directed

Use portfolio knowledge and expertise to assist in the planning, preparation and training of review team members prior to the start of review fieldwork as directed

Maintain expertise of the U.S. regulatory environments as required including topical issues and new or pending laws/regulations that may affect banking and credit review

Ensure consistency in the application of the risk rating process and risk evaluation through the various business units of the bank & its subsidiaries and the compliance of the same with all regulatory guidance

Maintain in-depth knowledge of all policies and procedures related to lending, credit rating and problem loan monitoring. Proactively recommend changes to Mizuho’s and Credit Review’s policies and procedures as needed

Maintain in-depth knowledge of assigned portfolio segments as assigned

Maintain a thorough understanding of the bank’s compliance rules and regulations in accordance with the directives of Americas Legal & Compliance Department (ALCD) and in compliance with Mizuho’s Code of Conduct

Additional responsibilities / special projects as directed by management

Qualification

Credit analysisFinancial statement assessmentRegulatory compliance knowledgeCredit risk managementMicrosoft Office proficiencyInterpersonal skillsNegotiation skillsVerbal communicationWritten communicationProblem-solving

Required

Successful completion of a formal financial services credit training program

7 -10 years of credit related experience with a major financial institution and/or equivalent experience with a U.S. bank regulatory agency (FRB, OCC, etc.)

Bachelor's degree in Finance, Economics, Accounting or Business Administration or equivalent work experience necessary

Ability to work independently with minimal supervision

Able to arrive at creative solutions; a self-starter

Familiarity with a variety of credit products (i.e. corporate credit, acquisition financing, project finance, etc.) and willingness to learn new credit products

Excellent interpersonal and negotiation skills

Excellent verbal and written communications skills

Advanced knowledge of the Microsoft Office suite of products

Some travel required

Benefits

Medical

Dental

401k

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 (32)

2024 (23)

2023 (43)

2022 (12)

2021 (10)

2020 (1)