Mizuho
About the Team
The Corporate & Structured Products Credit (CSPC) team is responsible for generating or reviewing and approving all credit-related applications in the Americas. It also determines and approves internal ratings of bank customers.
Summary This position requires an individual who can serve as a linchpin between stakeholders within branches, agencies, and other credit departments. The Credit Department VP must understand the Energy Industry (Oil & Gas and/or Power & Utilities) and stay abreast of market trends to make accurate recommendations to senior management regarding credit requests.
Core Responsibilities
Provide effective analysis of credit, including applicant worthiness, loan structure, risk return, operating profile, and industry profile. Create cash flow projections and comment on the reasonableness of assumptions in sensitivity cases.
Prepare accurate, clear, well-organized written summaries/analyses (Credit Opinions) with recommendations for approval or decline for transactions and comprehensive annual reviews (CARs). Discuss with branches/agencies potential changes to credit structure or other conditions.
Asses valuations of E&P reserves for loans governed by borrowing base, taking into account recommendations from independent reserve engineer, Mizuho RBL policy, regulatory guidelines, and reserve characteristics. Incorporate collateral analysis in credit opinion.
Present credit approval recommendations to senior management.
Recommend appropriate internal and regulatory risk ratings for each customer/transaction as required.
Engage in external meetings/presentations/events with syndicate banks, rating agencies, clients, law firms, and other related parties, coordinating with coverage bankers, other product partners, and Mizuho affiliates.
Proactively monitor and assess assigned borrowers/industry subsectors, including market data such as share price, EDF, CDS, or loan secondary price, and report the information to Senior Management in a timely manner.
Comply with credit standards, policies, objectives, and requirements. Play a strong management role with branches/agencies to ensure they understand and comply with policies.
Act as liaison between branches/agencies/other Credit Departments and senior management regarding issues related to credit applications, monitoring, analysis, standards, and policies.
Qualifications
Proven credit analysis skills and related analytical skills and knowledge.
Has Oil & Gas and/or Power & Utility Industry, M&A, and non-IG experience, including RBL for smaller E&P companies or ABL for commodity traders.
Demonstrates credit skills/ability to accurately identify and evaluate underlying risk elements of the borrowers, including how each company is addressing Energy Transition.
Aptitude to write well organized, accurate and in-depth Credit Opinions/CARs based on information gathered and thoughtful cash flow projections.
Strong multitasking ability to proactively monitor on an ongoing basis the pool of credits to detect potential credit problems at an early stage.
Other Skills
Undergraduate degree in Accounting, Business, Finance or Economics or strong quantitative background.
Solid 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 package to decision maker.
Excellent interpersonal skills.
Capable of working well independently and in teams.
Strong knowledge of credit policies and procedures as well as regulatory rating and energy transition considerations.
Effectively analyzes and solves problems/issues.
Proficiency with Capital IQ, Bloomberg, MS Excel, Word and PowerPoint.
Formalized credit training from an accredited financial institution (6+ years experience) and proficient financial modeling skills.
Compensation and Benefits The expected base salary ranges from $137,500 - $185,000. 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.
Hybrid Working Program Mizuho has 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 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.
EEO Statement 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.
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Summary This position requires an individual who can serve as a linchpin between stakeholders within branches, agencies, and other credit departments. The Credit Department VP must understand the Energy Industry (Oil & Gas and/or Power & Utilities) and stay abreast of market trends to make accurate recommendations to senior management regarding credit requests.
Core Responsibilities
Provide effective analysis of credit, including applicant worthiness, loan structure, risk return, operating profile, and industry profile. Create cash flow projections and comment on the reasonableness of assumptions in sensitivity cases.
Prepare accurate, clear, well-organized written summaries/analyses (Credit Opinions) with recommendations for approval or decline for transactions and comprehensive annual reviews (CARs). Discuss with branches/agencies potential changes to credit structure or other conditions.
Asses valuations of E&P reserves for loans governed by borrowing base, taking into account recommendations from independent reserve engineer, Mizuho RBL policy, regulatory guidelines, and reserve characteristics. Incorporate collateral analysis in credit opinion.
Present credit approval recommendations to senior management.
Recommend appropriate internal and regulatory risk ratings for each customer/transaction as required.
Engage in external meetings/presentations/events with syndicate banks, rating agencies, clients, law firms, and other related parties, coordinating with coverage bankers, other product partners, and Mizuho affiliates.
Proactively monitor and assess assigned borrowers/industry subsectors, including market data such as share price, EDF, CDS, or loan secondary price, and report the information to Senior Management in a timely manner.
Comply with credit standards, policies, objectives, and requirements. Play a strong management role with branches/agencies to ensure they understand and comply with policies.
Act as liaison between branches/agencies/other Credit Departments and senior management regarding issues related to credit applications, monitoring, analysis, standards, and policies.
Qualifications
Proven credit analysis skills and related analytical skills and knowledge.
Has Oil & Gas and/or Power & Utility Industry, M&A, and non-IG experience, including RBL for smaller E&P companies or ABL for commodity traders.
Demonstrates credit skills/ability to accurately identify and evaluate underlying risk elements of the borrowers, including how each company is addressing Energy Transition.
Aptitude to write well organized, accurate and in-depth Credit Opinions/CARs based on information gathered and thoughtful cash flow projections.
Strong multitasking ability to proactively monitor on an ongoing basis the pool of credits to detect potential credit problems at an early stage.
Other Skills
Undergraduate degree in Accounting, Business, Finance or Economics or strong quantitative background.
Solid 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 package to decision maker.
Excellent interpersonal skills.
Capable of working well independently and in teams.
Strong knowledge of credit policies and procedures as well as regulatory rating and energy transition considerations.
Effectively analyzes and solves problems/issues.
Proficiency with Capital IQ, Bloomberg, MS Excel, Word and PowerPoint.
Formalized credit training from an accredited financial institution (6+ years experience) and proficient financial modeling skills.
Compensation and Benefits The expected base salary ranges from $137,500 - $185,000. 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.
Hybrid Working Program Mizuho has 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 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.
EEO Statement 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.
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