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- Tasks: Produce timely credit ratings and analyse financial data for new transactions.
- Company: Join Mizuho, a global leader in finance with a diverse and inclusive culture.
- Benefits: Enjoy 27 days' leave, hybrid working, and wellbeing support.
- Why this job: Be part of a dynamic team that values your input and fosters growth.
- Qualifications: 3 'A' Levels or equivalent; 2 years in finance preferred.
- Other info: Flexible working arrangements available to suit your lifestyle.
The predicted salary is between 28800 - 48000 £ per year.
Who are we? We are not your typical financial institution. It's our people who make us a cut above. Here, every person is respected because of their differences, not in spite of them. We pride ourselves on a culture of purpose, passion, and dedication. At Mizuho, we provide the stability of an international industry leader with the career trajectory of a growing business. Our steady, strategic growth offers our people at all levels rewarding responsibilities and a richer work experience than a boutique firm or an established giant could offer alone. Working for Mizuho opens doors not just to a rewarding career with excellent prospects, but to lasting friendships with colleagues from diverse cultures. It's the local expertise of our employees that makes our global network so powerful. By collaborating with colleagues and clients who share your ambition, you can amplify your influence and knowledge as part of one of the largest and growing banks in the world.
What is the opportunity? A role in the Rating Team, part of the C&MO Team within the European Corporate Finance Division 2 (ECBD2). They manage, monitor, and control the Department's corporate & leveraged finance ratings, ensuring timely preparation and submission of ratings for ECBD2 clients. This role primarily involves producing ratings using Mizuho's internal models and interfacing with the wider C&MO Team.
What will you be doing?
- Producing timely and accurate credit ratings.
- Analyzing to establish initial ratings of new transactions using audited accounts, financial due diligence, models, and commercial due diligence, in collaboration with Credit Analysts.
- Monitoring credit risk and preparing annual and special reviews.
- Identifying potential credit quality issues early.
- Assisting with portfolio management and reporting duties, including day-to-day administration of clients within the Department's portfolio.
- Ensuring compliance with the bank's rating manual and applying rating and customer categorization methodologies accurately.
What do you need to succeed?
Essential- Minimum 3 'A' Levels or equivalent.
- At least two years' experience in a financial environment, preferably banking.
- Ability to analyze and interpret company financial statements and discounted cash flow models.
- Ability to work quickly and accurately under pressure.
- Strong writing and communication skills to liaise with internal stakeholders and other departments.
- Good teamwork and organizational skills.
- Knowledge of financial spreadsheets and accounting standards.
- Degree qualification or equivalent.
- Skills in cash flow analysis and modeling.
- Experience in a middle or back office role within a financial institution.
- Proficiency with VBA, SQL, Python, or automation tools, with an innovative mindset.
- Experience in automating workflows to improve efficiency.
- Responding to changing priorities.
- Planning, organizing, and managing workloads independently.
- Taking initiative and solving complex rating scenarios independently.
- Adapting to changing systems or procedures.
What Mizuho can offer you Opportunities for progression and promotion, with a chance to influence change and grow our business. We also offer:
- Non-contributory pension
- 27 days' annual leave
- Core working hours*
- Hybrid working (office and home)
- Virtual GP
- Wellbeing benefits, including Mental Health Allies and First Aiders
*Applicable roles only. We embrace flexible working arrangements like part-time, job-sharing, and hybrid models. Our purpose-led culture and global infrastructure facilitate collaboration and agility to meet business needs. We are committed to supporting equality, diversity, and inclusion, welcoming applications from all community sections, ethnic backgrounds, sexual orientations, beliefs, gender identities, and disabilities.
Credit Ratings - Associate employer: Mizuho International
Contact Detail:
Mizuho International Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Ratings - Associate
✨Tip Number 1
Familiarise yourself with Mizuho's corporate culture and values. Understanding their emphasis on diversity, collaboration, and purpose will help you align your approach during interviews and discussions, showcasing how you can contribute to their unique environment.
✨Tip Number 2
Brush up on your financial analysis skills, particularly in interpreting company financial statements and cash flow models. Being able to demonstrate your analytical capabilities in real-time scenarios or case studies can set you apart from other candidates.
✨Tip Number 3
Network with current or former employees of Mizuho, especially those in the Credit Ratings team. They can provide valuable insights into the role and the company culture, which can help you tailor your approach and questions during the interview process.
✨Tip Number 4
Showcase any experience you have with automation tools like VBA, SQL, or Python. Highlighting your innovative mindset and ability to improve efficiency through technology can make you a more attractive candidate for this role.
We think you need these skills to ace Credit Ratings - Associate
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities and requirements of the Credit Ratings - Associate position. Familiarise yourself with the key tasks such as producing credit ratings and monitoring credit risk.
Tailor Your CV: Customise your CV to highlight relevant experience in financial environments, particularly any roles that involved analysing financial statements or working with credit ratings. Use specific examples to demonstrate your skills.
Craft a Compelling Cover Letter: Write a cover letter that reflects your passion for finance and your understanding of Mizuho's culture. Mention how your background aligns with their values of diversity and collaboration, and express your enthusiasm for the role.
Proofread Your Application: Before submitting, carefully proofread your application materials. Check for spelling and grammatical errors, and ensure that all information is clear and concise. A polished application reflects your attention to detail.
How to prepare for a job interview at Mizuho International
✨Understand the Role
Make sure you have a clear understanding of the responsibilities of the Credit Ratings Associate position. Familiarise yourself with credit rating processes, financial analysis, and the specific tools mentioned in the job description, such as financial spreadsheets and models.
✨Showcase Your Analytical Skills
Prepare to discuss your experience in analysing financial statements and cash flow models. Be ready to provide examples of how you've successfully interpreted complex data in previous roles, as this will demonstrate your capability to produce accurate credit ratings.
✨Emphasise Teamwork and Communication
Since the role involves liaising with various stakeholders, highlight your teamwork and communication skills. Share examples of how you've collaborated with colleagues or departments to achieve common goals, especially in high-pressure situations.
✨Demonstrate Adaptability
Mizuho values adaptability, so be prepared to discuss how you've responded to changing priorities in past roles. Provide specific instances where you've taken initiative to solve problems or adapted to new systems or procedures effectively.
