Credit Associate bilingual JapaneseEnglish
Posted on: November 26, 2022
The incumbent will work independently and closely with Relationship
Managers in their credit risk and relationship management
responsibilities, including interaction with clients to ensure
timely and accurate response to credit needs. Conducts extensive
in-depth company, financial and industry due diligence to evaluate
risk/return parameters of financing transactions. Assists with loan
management of corporate credits. Performs periodic credit reviews
on existing clients as well as supports the origination effort
through research, projection modeling, and preparation of
Regularly interfaces with clients, relationship managers, credit
administrators and internal/external examiners. Coordinates with
the Credit Division in HO and NY to obtain proper approvals.
Ensures compliance with all applicable internal policies and
procedures and regulatory requirements. Conducts special projects
as assigned. Performs other related duties as assigned.
Credit Analyses. Prepares in-depth credit analyses of prospective
and existing corporate clients. Duties include: obtaining necessary
information from clients; conducting Q&A's directly with
clients, including via in-person meetings; analyzing credit risks
of the clients and their industry; understanding business models of
each client and preparing financial projections with business
appropriate assumptions; preparing credit and rating application
packages; presentation of credit applications, obtaining credit
approvals; preparing loan documents; and conducting post-execution
monitoring. Works closely with RMs to establish appropriate deal
structures and terms and conditions. Alerts RMs of any changes in
the clients' financial conditions through on-going monitoring.
Post-Execution Control. Checks credit application, credit rating,
collateral, guarantee and covenants for maturity. Interfaces with
other Bank units as necessary and develops information used in the
account administration. Documentation Management. Ensures
maintenance of adequate files and records, this includes updating
client information system and client files; maintaining credit
files and the loan management system. Effectively plans activities,
makes needed adjustments to timelines, steps and resource
allocation. Plans for contingencies to deal with unexpected events
or setbacks. As required, may act as a back-up for any other Credit
Analyst. Performs any and all duties of senior/junior staff members
as necessary. Cross-trains and trains others on job related duties
and assists others with administrative duties as necessary. Assists
with departmental projects and performs other duties as
It is the individual responsibility of every employee to maintain a
current awareness and understanding of appropriate banking laws,
regulations, internal policies and procedures, and to comply fully
with those laws, regulations, policies and procedures.
This is a general description which covers all levels/grades of the
job. Minimum qualifications as outlined below:
- Degree in Finance, Accounting, Business Administration or
Economics; or equivalent combination of education and experience.
Good understanding of general business and banking products. Good
knowledge of corporate credit policies and procedures. Demonstrated
credit analysis and accounting skills. Working knowledge of banking
- Excellent communication, quantitative, problem solving and
decision making skills. Self-driven, motivated and results
oriented. Ability to analyze financial issues, provide written
narratives in conclusive manner, and coordinate appropriate
solutions. Understanding of internal operations, policies and
procedures as well as regulations specific to banks. Ability to
work under time pressure and short notice due to client
- Strong customer orientation (internal/external) with proven
record of responding promptly to customer needs and with the
ability to build and maintain strong relationships with clients and
business partners. Interacts effectively with customers and ability
to provide a high standard of service excellence. Proven commitment
to quality customer service (internal/external).
- Excellent verbal and written communication skills. Effective
upward and downward communication. Experience writing reports and
business correspondence. Ability to effectively receive and convey
information/ideas in all its forms (verbal, written and non-verbal)
and respond to questions from customers, group of managers,
regulators, auditors, and employees in a clear and concise way.
Fosters open communication; listens actively.
- Good organization and planning skills. Ability to plan,
organize and handle multiple tasks simultaneously despite numerous
interruptions. Ability to establish priorities, identify critical
tasks and complete projects/tasks accurately and in a timely
manner. High level of flexibility and ability to adapt to changing
- Strong team orientation. Ability to understand the perspective,
priorities and challenges of others. Ability to work cooperatively
with other departments (other groups within the department) and
across the organization to achieve shared goals. Capable of working
independently and in teams to accomplish the goals of the
department. Flexibility to work variable hours due to the
- Proficient knowledge of Excel, Word and databases.
- Fluency with Japanese and English
Mizuho has in place a remote 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
Mizuho Americas is a leading financial institution comprising
several legal entities, which together offer clients corporate and
investment banking, financing, securities, treasury services, asset
management, research and more. Mizuho's operations in the Americas
connect a broad client base of major corporations, financial
institutions and public sector groups to local markets and a vast
global network. Mizuho Americas is an integral part of the
Japan-based Mizuho Financial Group, Inc. (NYSE: MFG), which is
comprised of offices in nearly 40 countries, approximately 60,000
employees, and assets of more than USD 1.8 trillion. Learn more at
Mizuho Bank Ltd. 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 perform pre-employment
substance abuse testing.
Keywords: WayUp, Chicago , Credit Associate bilingual JapaneseEnglish, Other , Chicago, Illinois
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