Credit Review Officer

About the Team

The Credit Review Americas Division (CRAD) function operates as an independent Third Line of Defense (3

LOD), 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.

• 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, as appropriate, raise observations to senior leadership.
• Communicate effectively with Credit Review leadership and business line stakeholders, including constructive challenge of 1
  
  LOD and 2
  
  LOD 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.

• 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.

The expected base salary ranges from $ to $. Salary offers are based on a wide range of factors including relevant skills, training, experience, education, and, where applicable, certifications and licenses obtained. Market and organizational factors are also considered. In addition to salary and a generous employee benefits package, successful candidates are eligible to receive a discretionary bonus.

Mizuho has in place a hybrid 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 obligations. Orders in some of our departments have greater in‑office requirements that will be communicated to you as part of the recruitment process.

We are an EEO/AA Employer – M/F/Disability/Veteran. We participate in the E‑Verify program. We maintain a drug‑free workplace and reserve the right to require pre‑ and post‑hire drug testing as permitted by applicable law.