Description

Overview of Division/Department

Asia-Pacific Credit Department (APCD) is responsible for sound quality of credit portfolio through credit review of non-Japanese corporate, non-Japanese financial institutions and sovereign customers as well as transactions with them, monitoring and active management of risk appetite framework in the Asia Pacific region. The countries/areas to cover are Singapore, Malaysia, Indonesia, Thailand, Philippines, Vietnam, India, Australia and other countries in the South East Asia, South Asia regions and Oceania regions. It also covers various financial products including project finance, real estate loan, and securitization in the whole APAC (ex. Japan) regions.

About Us
MIZUHO BANK IS THE BANKING SUBSIDIARY OF MIZUHO FINANCIAL GROUP, WHICH IS HEADQUARTERED IN TOKYO, JAPAN. MIZUHO FINANCIAL GROUP, INC. IS THE 15TH LARGEST BANK IN THE WORLD, AS MEASURED BY TOTAL ASSETS OF APPROXIMATELY US 2 TRILLION. MIZUHO'S 55,000 EMPLOYEES WORLDWIDE OFFER COMPREHENSIVE FINANCIAL SERVICES TO CLIENTS IN OVER 800 OFFICES THROUGHOUT THE AMERICAS, EMEA, AND ASIA.

MIZUHO BANK SINGAPORE BRANCH HAS AN ESTABLISHED LOCAL PRESENCE WITH OVER 50 YEARS OF HISTORY AND SERVES AS THE REGIONAL HUB FOR THE BANK'S APAC OPERATIONS.

OPERATING WITH A FULL BANK LICENSE, MIZUHO BANK SINGAPORE BRANCH PROVIDES BANKING SERVICES TO OVER 2,000 JAPANESE AND NON JAPANESE CORPORATE CLIENTS, WITH A STAFF STRENGTH OF ABOUT 1,000 EMPLOYEES. WE PROVIDE EXPERTISE IN CORPORATE FINANCE, TRADE FINANCE, CASH MANAGEMENT, FUNDS TRANSFERS, PROJECT FINANCE, AND TREASURY SERVICES TO HELP BUSINESSES DEVELOP AND FIND NEW OPPORTUNITIES. WE ALSO COLLABORATE WITH OUR AFFILIATE COMPANY, MIZUHO SECURITIES, TO PROVIDE INVESTMENT BANKING SOLUTIONS TO OUR CLIENTS.

Job Responsibilities

• To perform credit reviews and analysis on existing and prospective customers, and other relevant parties, based on credit proposals and other information provided by business promotion departments/ offices of the Bank covered by the Department
• To make independent, impartial and useful recommendations on credit proposals and credit-related matters to the management of the Department, based on the credit reviews and analysis
• To assign credit ratings to borrowers, guarantors and other obligors in accordance with the rating procedures and other relevant rules imposed by the Bank
• To perform periodical and special credit reviews and assessments as deemed necessary by the Department, e.g., Close Watch Monitoring, Problem Credit Monitoring, Self-Assessment, Strict Management Claims Determination, etc.
• To follow the policy and direction of the Department and to assist your superiors in accomplishing the Department's overall duties & responsibilities at all times
• To gather credit-related information on the countries and key industries there from internal and external sources, e.g., branches/departments, customers of the Bank, public authorities and institutions, credit agencies, other banks, etc.
• To visit customers (offices/factories) whenever necessary for obtaining more in-depth and accurate information
• To extend constructive guidance for staffs of business promotion departments to improve the deal quality and their analytical skills and to share the Department's credit stance with them
• To perform all the necessary work for reporting or presentation to GM of the Department, Managing Executive Officer (Head of Asia-Pacific region) and Tokyo, e.g., reporting/presentation to Credit Risk Management Department, Chief Credit Officer or Credit Committee, and for dealing with regulatory authorities including JFSA
• To contribute to improvement in the Department's operation and collective knowledge for the future generation/ the Department
• To share knowledge and experience in the Department
• To perform any other duties assigned by superiors
• To train the trainees from Japan and/or the branches/department in the region
• To participate in training programs in the Bank as a trainer
• To lead teams as a key expert
• OJT for each branch staff involved in credit-related work including advice on analyzing obligor's credit profile, negotiating terms & conditions, gathering information, monitoring loan portfolio, detecting early symptom of credit deterioration, etc.
• OJT planning based on each branch's needs and gap analysis

Job Requirements

• A Bachelor's Degree.
• At least 10 years of relevant corporate credit experience.
• Basic accounting knowledge, financial analysis skills and banking products knowledge to perform proper analysis of risk profile of customers and transactions.
• Strong communication skills to manage conflict with the front offices and to conduct various trainings for front office staff
• Proficiency in Microsoft Office applications, including Word, Excel, and PowerPoint.
• Strong interpersonal and business writing skills.
• Business promotion experience in corporate finance is desirable.
• Experience of working in multinational companies is advantageous.