Credit Review Americas Division, Vice President About the Team CRAD's mission is to operate as a third line of defense (“3rd LOD”) independent from the credit approval process and provide Bank senior management and Board of Directors an independent assessment and objective challenge that will ensure accurate credit ratings, adherence to policies and procedures, effective credit risk management, and address regulatory requirements. SummaryThis position requires an individual with a strong credit analysis background covering corporate borrowers across various industry segments. The candidate will assist the Team in completing the annual review plan by conducting independent credit reviews to ensure compliance with Bank policies and procedures as well as adherence with regulatory guidelines. The ideal candidate will possess the ability to communicate credit risk management weaknesses identified to Credit Review senior management and the line of business; as well as effectively challenge internal and regulatory risk ratings where appropriate. This role is hybrid and based in our New York City Office ResponsibilitiesAssess 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, 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. Maintain in-depth knowledge of assigned portfolio segments as assigned. Draft potential review issues for discussion with relevant Reviewer-in-Charge, Credit Review management and with review targets as directed. 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. Perform ad-hoc/ancillary projects in support of the overall CRAD function 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 QualificationsBachelor’s degree or equivalent corporate banking work experience with postgraduate business degree and/or CFA preferable.Minimum 7 year’s credit risk management experience (bank, rating or U.S. bank regulatory agency, consulting etc.), with formal credit training, a plus.Proficient in applying credit risk management standards, techniques and methodologies.Knowledge of U.S. regulatory environment and emerging risks.Strong computer proficiency (MS Office) and ability to acclimate to MHBK proprietary systems.Ability and willingness to articulate verbal, well-written, and supported credit review opinions, including those divergent from 1st and 2nd Lines of Defense.Collaborative approach to work with the CRAD team and 1st and 2nd Line of Defense stakeholders.Capacity to manage competing project priorities and a diverse workload.Strong interpersonal skills, strong work ethic and self-motivated.Ability to work independently, accept accountability and demonstrate initiative. The expected base salary ranges from $175,000.00 - $210,000.00. 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 but not limited to Medical, Dental and 401k that begin on day one of employment, successful candidates are also eligible to receive a discretionary bonus. #LI #Li-NR1 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. #LI-MIZUHO