Credit Review Officer

Mizuho • New York City, NY

14h • Hybrid

About The Position

The Credit Review Americas Division (CRAD) function operates as an independent Third Line of Defense (3LOD), separate from the credit approval process. CRAD provides senior management and the Board of Directors with objective, independent assessments of credit quality to ensure accurate risk ratings, adherence to policies and procedures, effective credit risk management, and compliance with regulatory expectations. We are seeking a Credit Review Officer with strong analytical experience across corporate borrowers and diverse industry sectors, including Structured Finance, Sponsor Finance, and High Yield. This role 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 effectively review and challenge obligor risk ratings and credit risk management weaknesses in the loan portfolio. The role requires the ability to communicate findings, both written and verbal, to CRAD senior leadership and the line of business.

Requirements

• Bachelor’s degree in Finance, Economics, Accounting or Business Administration required; advanced degree (MBA) and/or CFA preferred.
• Minimum 4+ years of credit risk, corporate banking, rating agency, regulatory, or consulting experience; formal credit training a plus.
• Strong knowledge of credit risk analysis, underwriting, and portfolio management methodologies.
• Familiarity with U.S. regulatory environment.
• Advanced proficiency in MS Office; ability to learn internal systems.
• Demonstrated ability to develop and articulate independent, evidence-based credit opinions.
• Strong collaboration skills with the ability to influence stakeholders across lines of defense.
• Proven ability to manage multiple priorities in a fast-paced environment.
• High level of accountability, initiative, and professional integrity.

Nice To Haves

• advanced degree (MBA) and/or CFA preferred
• formal credit training a plus

Responsibilities

• Evaluate borrower credit condition through the assessment of historical and current financial performance, including base and stress-scenario financial projections as required.
• Assess and validate the accuracy of internal risk ratings and U.S. regulatory classifications.
• Recommend and support rating adjustments, serving as an independent arbiter within the Credit Review function.
• Assess compliance of credit decisions with internal lending policies, procedures, and regulatory requirements.
• Evaluate the effectiveness of credit risk monitoring frameworks, including covenants, triggers, and ongoing oversight practices.
• Prepare clear, well-supported review findings and escalate observations as appropriate.
• Communicate effectively with Credit Review leadership and business line stakeholders, including constructive challenge of 1LOD and 2LOD perspectives.
• Identify gaps and enhancement opportunities in credit risk management practices, policies, and procedures.
• Review adequacy of Allowance for Loan and Lease Losses (ALLL) methodologies, as applicable.
• Conduct portfolio-level risk assessments to evaluate the quality, quantity, direction, and aggregate of credit risk.
• Perform quarterly continuous portfolio monitoring assessments to support early identification of emerging risks.
• Maintain deep knowledge of assigned portfolios, industries, and risk trends – building subject matter expertise.
• Support ad hoc projects and strategic initiatives within the CRAD function.
• Maintain strong knowledge of applicable policies, procedures, and regulatory expectations.
• Ensure adherence to all compliance requirements and the Bank’s Code of Conduct.

Benefits

• generous employee benefits package
• discretionary bonus

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level