Credit Analyst

Mizuho; New York (NY); Hybrid; USD 95,000 - 115,000; Full time

Benefits offered by this job

Medical benefits

Dental benefits

401K plan

Discretionary bonus

Job summary

Mizuho seeks a dedicated credit professional to support the credit approval and monitoring process within the FICPC team. You will analyze borrower creditworthiness, structure loans, and prepare clear credit opinions for management and branches.

Responsibilities include building cash flow and projection models, benchmarking against peers, and monitoring market indicators to inform risk decisions. A strong analytics background and financial statement analysis are required.

Qualifications

• Bachelor’s degree in Finance or Economics preferred.
• 3–5 years of relevant banking/credit experience.
• Strong knowledge of Microsoft Office including Excel, Word, and PowerPoint.
• Proactive, curious self-starter with interest in finance.
• Strong analytical and quantitative skills; ability to assimilate complex topics.

Responsibilities

• Provide analysis of creditworthiness, loan structure, risk/return, and cash flow.
• Create projection/recovery/other financial models and comment on assumptions.
• Compare borrower/counterparty to peers and summarize industry trends.
• Prepare written Credit Opinions with recommendations for approval/decline.
• Recommend risk rating for customers/transactions.
• Monitor borrowers/industries and report impacts to Senior Management.
• Comply with credit standards, policies, and requirements.

Skills

Analytical skills

Quantitative analysis

Excel

PowerPoint

Written & verbal communication

Education

Bachelor’s degree in Finance or Economics

Tools

Word

Excel

PowerPoint

Job description

About The Team

The Financial Institutions & Counterparty Credit team (FICPC) is responsible for credit exposures and limits provided to financial institutions and private capital clients of Mizuho Americas. Key responsibilities are two-fold: (i) credit underwriting and approval, and (ii) ongoing monitoring of the portfolio.

Summary

This position is to support the credit approval and monitoring process.

Core Responsibilities

• Provide effective analysis of credit including, worthiness of applicant, loan structure, risk return, applicant operating profile and industry profile including historical profit and loss performance, financial condition and cash flow.


• Create various types of projection/recovery/other financial models, commenting on the reasonableness of assumptions.


• Compare the prospective borrower/counterparty to its peers and summarize industry trends.


• Prepare accurate, clear, well-organized and complete written summary/analysis (Credit Opinion) with recommendations for approval or decline. Discuss with branches/agencies potential changes to credit structure or other conditions for which we would grant credit approval.


• Recommend appropriate risk rating for each customer/transaction as required.


• Proactively monitor and assess 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 Management in a timely manner.


• Comply with credit standards, policies, objectives and requirements.

Qualifications

• Bachelor’s degree; major in Finance or Economics is a plus


• 3 -5 years of relevant banking/credit experience


• Technical Skills: Strong knowledge of Microsoft Office products including Excel, Work, and PowerPoint


• Proactive, curious self-starter who has an interest in pursuing a career in finance.


• Strong analytical and quantitative skills demonstrating the ability to assimilate new information, understand complex topics, and apply sound analysis and judgment.


• Knowledge of financial statements and accounting; ability to construct 3-statement cash flow models.


• Solid time management skills.


• Consistently demonstrate effective negotiation, verbal and written communication skills; ability to present credit package to decision maker.


• Excellent interpersonal skills; capable of working well independently and in teams.

The expected base salary ranges from $95,000 - $115,000. Salary offers are based on a wide range of factors including relevant skills, training, experience, education, and, where applicable, certifications and licenses obtained. Market and organizational factors are also considered. In addition to salary and a generous employee benefits package, including Medical, Dental and 401K plans, successful candidates are also eligible to receive a discretionary bonus.

Other Requirements

Mizuho has in place a hybrid working program, with varying opportunities for remote work depending on the nature of the role, needs of your department, as well as local laws and regulatory obligations. Roles in some of our departments have greater in-office requirements that will be communicated to you as part of the recruitment process

Company Overview

Mizuho Financial Group, Inc. is the 15th largest bank in the world as measured by total assets of ~$2 trillion. Mizuho's 60,000 employees worldwide offer comprehensive financial services to clients in 35 countries and 800 offices throughout the Americas, EMEA and Asia. Mizuho Americas is a leading provider of corporate and investment banking services to clients in the US, Canada, and Latin America. Through its acquisition of Greenhill , Mizuho provides M&A, restructuring and private capital advisory capabilities across Americas, Europe and Asia. Mizuho Americas employs approximately 3,500 professionals, and its capabilities span corporate and investment banking, capital markets, equity and fixed income sales & trading, derivatives, FX, custody and research. Visit www.mizuhoamericas.com.

Mizuho Americas offers a competitive total rewards package.

We are an EEO/AA Employer - M/F/Disability/Veteran.

We participate in the E-Verify program.

We maintain a drug‑free workplace and reserve the right to require pre‑ and post‑hire drug testing as permitted by applicable law.