AVP/VP
SUMMARY:
This position is to review and assess credit and rating applications including the credit worthiness of customers, industry trends, cash flow projections etc. It also requires presentation of credit opinions to management, monitoring of a customer's financial situation from various aspects and deciding credit policy vis a via customers.
PRINCIPAL DUTIES AND RESPONSIBILITIES:
1) GENERAL
1.Reviews and assesses credit and rating applications from branches/agencies.
2.Provides 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. Analyzes cash flow projections, commenting on the reasonableness of assumptions in both management's and Mizuho's sensitivity cases. Compares the prospective borrower to its peers and notes industry trends. Thoroughtly analyzes and recommends appropriate industry and Borrower Exposure to maximize risk return.
3.Acts as liaison between, gathers information (especially on problem customers) from and exchange views with branches/agencies/other Credit Divisions and senior management regarding issue related to credit applications, monitoring, analysis, standards and policies. Discusses with branch/agencies potential changes to credit structure or other conditions for which Credit Division would grant credit approval.
4.Plays strong management role with branches/agencies to ensure compliance and proper application of credit standards, policies, objectives and requirements.
5.Proactively monitors and assesses assigned borrowers/industries including market date 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.
6.Prepares accurate, clear, well-organized and complete written summary/analysis (Credit Opinion) with recommendations for approval or decline. Presents credit approval recommendations to GM and DGM.
7.Maintains a basic understanding of the applicable rules and regulations that govern the Bank. Understands that all questions and/or clarification about such rules and regulations should be directed to the Legal Compliance Department. Reads and responds as necessary to all compliance-related reference and directive materials received. Complies with the Bank's "Code of Conduct".
8.Assist DGM in implementing measures to accomplish division's goals.
2) Administrative
- Checks applications and other documents sent from front branchs/agencies if they are in compliance with internal procedures.
3) Policy
- Obsereves Bank-wide and division policies and procedures.
4) Behavioral Competencies
- Analytical skills, attention to detail, strategic thinking, organization skills, communication skills.
MINIMUM JOB REQUIREMENTS OR EXPERIENCE:
1.In depth industry/market knowledge and information on key industry players.
2.High analytical skills and ability to analyze the underlying credit trends, including the competence to accurately assess the credit migration trends and default possibility of the borrowers.
3.Credit skills and ability to accurately identify and evaluate underling risk elements of the borrowers.
4.Ability to write well organized, accurate and in depth reports based on information gathered.
5.Ability to proactively monitor on an on-going basis the pool of credits to detect potential credit problems at an early stage.
6.Time management skills. Ability to plan and schedule work to meet both long term and short term time frames.
7.Effective verbal and written communication and negotiation skills.
8.Interpersonal skills. Capable of working well independently and in teams.
9.Effectively analyzes and solves problems/issues.
10.Sufficiently experienced to perform all of the above with limited DGM involvement.
11.Substantial familiarity with Microsoft Excel as financial modeling and forecasting skills.
12.Computer expertise, strong financial analysis, and writing/verbal communication skill.
13.An undergraduate degree in business administration, finance, accounting or closely allied educational discipline; an MBA, CFA and/or industry-specific certification is not required but is desirable.
Leave a Reply
You must be logged in to post a comment.