Job Description

Overview of Division/Department

Asia & Oceania Credit Department (AOCR) is responsible for sound quality of credit portfolio through credit review of non-Japanese corporate (including joint ventures of Japanese corporates and non-Japanese corporates), non-Japanese financial institutions and sovereign customers as well as transactions with them, monitoring and active management of risk appetite framework in the Asia & Oceania region. The countries/areas covered are Singapore, Malaysia, Indonesia, Thailand, Philippines, Vietnam, India, Australia and other countries in the South East Asia, South Asia regions and Oceania regions

Company Profile
MIZUHO BANK, LTD. IS A SUBSIDIARY OF THE JAPAN-BASED MIZUHO FINANCIAL GROUP, INC. (LISTED ON THE TOKYO STOCK EXCHANGE AND NYSE) AND IS ONE OF THE LARGEST FINANCIAL SERVICES COMPANIES IN THE WORLD. MIZUHO BANK, LTD. PROVIDES FINANCIAL AND STRATEGIC SOLUTIONS FOR THE INCREASINGLY DIVERSE AND SOPHISTICATED NEEDS OF ITS CLIENTS WITH OFFICES LOCATED IN ALL THE MAJOR CITIES OF THE WORLD SUCH AS TOKYO, NEW YORK, LONDON, HONG KONG AND SINGAPORE.

Job Responsibilities
Communication with head office and Reqional headoffice;

• Liaising with the head office in Japan and regional head quarter in Singapore (1) to reflect those strategies, procedures and risk framework on the daily credit review works conducted by AOCR, (2) to deliver our observation about quality of the portfolio for those strategies, and (3) to reflect expected credit cost into our group\'s budget and financial disclosure
• Estimating credit cost based on the customers\' credit risk profile and economic circumstances through close contact with various counterparties of front offices in the region
• Familiarizing colleagues in AOCR with procedures and policies released by various departments of the head office
• Reporting various credit matters to the head office for regulatory purposes required in Japan as well as regional requires such as credit cost issues, ESG issues and any other ad-hoc issues requested by the financial authority
• Supporting senior managements of the Bank both in the head office and the regional head office for establishing their strategy from credit risk analysis on individual customers, overall portfolio and the overall market

Credit Review

• Making independent and effective recommendations on credit proposals and credit related matters to the management both in Tokyo and Singapore based on the credit reviews and analysis
• Assigning credit ratings to customers in accordance with the rating procedures and other relevant rules of the Bank
• Performing periodical (annual and quarterly) and special credit reviews and assessments required by procedures of the head office
• Gathering credit and related information on the customers or industry, from internal and external sources (e.g. customers of the Bank, buyers and suppliers, public authorities and institutions, credit agencies, other banks, etc.)
• Liaising with other credit departments in other regions including Japan to review transactions of customers in that region and to review transactions of customers whose JV partners are from such regions
• Performing any other duties and projects as assigned

Other Supporting Function

• Supporting the management of AOCR on various matters including administrative requests
• Liaising with various department in the head office and Singapore for general administrative requirement of AOCR including but not limited to, handling AOCR\'s sundry assets (physical items like desks or paper based files etc as well as intangible items like customer information) sundry budget handling, sundry human resource admin matters handling and data storage.

Job Requirements
- A Bachelor\'s Degree
- At least three years of business promotion in handling credit risk of corporate customers.
- Business promotion experience in corporate finance is desirable.
- Basic accounting knowledge, financial analysis skills and banking products knowledge to perform proper analysis of risk profile of customers and transactions
- Business-level proficiency in English
- Proficiency in Microsoft Office applications, including Word, Excel, and PowerPoint
- Strong interpersonal and business writing skills
- Experience of working in the head office of a financial institution for establishing the institution\'s business strategy and risk management framework is advantageous for liaising with the Bank\'s head office
- Knowledge of compliance requirement by financial industry related regulators, MAS and JFSA are advantageous

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