Quality Assurance - Credit Review Americas

Mizuho•New York, NY

2d•Hybrid

About The Position

The Quality Assurance (QA) Officer within Credit Review Americas is responsible for executing an independent and comprehensive quality assurance program designed to assess the consistency, rigor, and effectiveness of activities performed across the Credit Review Americas framework. This role serves as a key third-line control within the Division, providing objective evaluation of review execution, portfolio monitoring, issue management, reporting, and adherence to established methodology, regulatory expectations, and internal standards. The candidate will perform targeted and thematic quality assurance assessments to ensure that Credit Review activities are conducted in a manner that is risk-focused, analytically sound, well-supported, and align with Division protocols. The role also plays an important part in identifying opportunities to strengthen review practices, elevate reporting quality, and promote continuous improvement across the function. The QA Specialist will report directly to the Head of CRAD.

Requirements

Bachelor’s degree or equivalent in Finance, Accounting, Business Administration, Economics, or related discipline.
Minimum 10 years of relevant experience in Credit Review, Credit Risk Management, Credit/Loan Review, Regulatory Examination or Quality Assurance/Oversight functions within financial services.
Familiarity with commercial credit risk, underwriting, portfolio management, banking regulatory expectations related to independent credit review and risk governance.
Experience designing or executing formal quality assurance programs, assessing complex analytical work, testing execution quality, and challenging risk conclusions.
Strong written and verbal communication skills with the ability to synthesize quality observations into concise executive reporting.
High degree of professional skepticism, independence, and attention to detail.

Responsibilities

Conduct independent quality assurance assessments across the full Credit Review framework, including individual review engagements, continuous monitoring activities, issue validation, report production, and supporting workpapers.
Evaluate the adequacy, consistency, and effectiveness of Credit Review practices against established methodology, Division Standards, regulatory guidance, and internal policy expectations.
Assess whether reviews are appropriately risk-focused, supported by sound credit analysis, and demonstrate clear linkage between testing performed, Issues & Observations identified, and credit risk management conclusions reached.
Review the quality, sufficiency, and defensibility of workpapers, sampling approaches, analytical support, and evidence maintained within review files.
Determine compliance with Credit Review procedures, documentation standards, review protocols, and quality benchmarks.
Assess consistency in the application of rating methodologies, Issue severity determinations, root cause analysis, and final report conclusions.
Identify gaps, inconsistencies, or process weaknesses that may impact the reliability, transparency, or effectiveness of Credit Review outputs.
Prepare clear, concise, and actionable quality assurance reports summarizing assessment results, identified deficiencies, thematic observations, and recommendations for enhancement.
Present quality assurance findings and trend analysis to Head of CRAD.
Track recurring issues and common themes to inform broader Division training, methodology refinement, process improvement initiatives, and/or required action to remediate findings.
Maintain reporting metrics and dashboards to support transparency into overall quality performance across the Division.
Partner with CRAD senior leadership to support the ongoing enhancement of quality standards, review templates, guidance documents, and procedural expectations.
Recommend changes to strengthen analytical rigor, consistency of execution, and documentation discipline across review teams.
Assist in the development and maintenance of CRAD’s Quality Assurance framework, including annual QA plans, testing criteria, and scorecards.
Engage constructively with reviewers, portfolio monitoring officers, and review leaders to communicate quality assurance observations and promote remediation of identified gaps.
Serve as a subject matter resource on Division methodology, quality expectations, and best practices.