Loans Administration - Associate

Profile Summary

The Loans Administration Associate is responsible for the accurate, timely and controlled servicing of bilateral, syndicated and agency loan facilities across the EMEA Loans Administration Department.

The role manages loan lifecycle events including facility set-up, drawdowns, rollovers, repayments, prepayments, interest, fees, guarantees and loan trades. The Associate interprets transaction documentation and operational instructions, ensures activity is completed in accordance with contractual terms and internal procedures, and maintains appropriate evidence of processing and controls.

As an experienced member of the team, the Associate provides day-to-day guidance to colleagues, supports workflow management and contributes to stronger controls, operational resilience, process improvement and automation across Loans Administration.

Duties and Responsibilities

Loan Servicing and Transaction Processing:

• Process and oversee the accurate set-up and ongoing servicing of bilateral, syndicated and agency loan facilities for the portfolios and EMEA offices supported by Loans Administration.
• Process drawdowns, rollovers, repayments, prepayments, interest, fees, guarantees and other contractual lifecycle events accurately and within required deadlines.
• Review facility documentation, notices and operational instructions and translate contractual requirements into accurate system processing and settlement activity.
• Validate transaction data, settlement details, value dates, rates, fees and authorised instructions before processing or release.
• Ensure transactions are completed in accordance with governing agreements, internal procedures, delegated authorities and established maker-checker controls.
• Maintain complete and accurate transaction records and evidence of processing, checking, approval and exception resolution.

Loan Trading and Specialist Portfolios:

• Process primary and secondary loan trades accurately and within agreed settlement timelines.
• Support CLO, loan-trading, Stratum and other specialist portfolios where applicable to the role.
• Maintain accurate lender, commitment, position and settlement records across relevant systems and workflows.
• Investigate trade-settlement discrepancies and outstanding items, escalating material or aged matters promptly.
• Support specialist products and processes, including credit insurance, Islamic finance and risk-free-rate products, in line with documented procedures and demonstrated competence.

Cash, Nostro and Reconciliation Controls:

• Monitor relevant nostro and internal cash-account positions and investigate unmatched, unexpected or outstanding items promptly.
• Complete reconciliations, daily checklists, control evidence and end-of-day activities accurately and within required timescales.
• Escalate aged, delayed, disputed or unreconciled items to the Assistant Vice President with clear status, impact and proposed next steps.
• Work with Payments, Finance and other support functions to resolve funding, settlement and accounting issues.
• Maintain clear audit trails for adjustments, corrections, exceptions and completed controls.

Client and Stakeholder Management:

• Communicate clearly and professionally with borrowers, Relationship Managers, Agent Banks, Participant Banks, Front Office and internal support functions.
• Respond to transaction and servicing queries promptly and provide accurate status updates through to resolution.
• Coordinate with relevant stakeholders to obtain complete and appropriately authorised instructions before processing.
• Escalate documentation, funding, settlement, capacity or control concerns early enough to protect contractual deadlines and client outcomes.
• Provide a consistently high standard of service while maintaining appropriate operational discipline and control.

Risk, Control and Governance:

• Identify operational, documentation, settlement and conduct risks and ensure that material issues are escalated and recorded appropriately.
• Follow applicable procedures, access controls, information-security requirements and segregation-of-duties standards.
• Support incident investigation, root-cause analysis and the implementation of preventative actions.
• Contribute to accurate management information, governance reporting and control-assurance activity.
• Maintain procedures and desk instructions so that they remain accurate, current and usable.

Workflow Oversight and Team Support:

• Support the Assistant Vice President with workflow oversight, work allocation, prioritisation and monitoring of key deadlines.
• Provide practical guidance and technical support to colleagues on loan servicing, documentation and control matters.
• Promote consistent application of procedures and timely escalation of issues.
• Contribute to cross-training, knowledge sharing and succession coverage across portfolios and processes.
• Provide constructive challenge where instructions, documentation or proposed processing may create operational or control risk.

Process Improvement and Change:

• Identify and support improvements to loan-servicing processes, controls, procedures and management information.
• Contribute to system changes, testing, implementation and controlled transition of approved changes into business-as-usual operations.
• Support technology and automation initiatives that reduce manual activity while preserving validation, approval and audit-trail requirements.
• Use Atlantis, MIDAS, ACBS, EMEA workflows and other approved systems accurately and in accordance with role-based access and control requirements.
• Undertake other reasonable duties consistent with the scope and seniority of the role.

Qualifications, Skills, and Experience

Essential:

• Detailed practical knowledge of loan products, transaction lifecycles and Loans Administration processes.
• Experience servicing bilateral, syndicated and/or agency loan facilities.
• Ability to interpret facility documentation and translate contractual requirements into accurate operational processing.
• Experience processing loan lifecycle events including drawdowns, rollovers, repayments, prepayments, interest and fees.
• Strong understanding of maker-checker controls, segregation of duties, reconciliations and operational-risk requirements.
• Ability to identify, investigate and escalate transaction, settlement and control issues promptly.
• Strong organisational skills, with the ability to manage competing deadlines while maintaining accuracy.
• Clear written and verbal communication skills when dealing with banks, customers and internal stakeholders.
• Ability to provide practical guidance, work review and constructive challenge to colleagues at the level expected of an Associate.
• Competence in Microsoft Office and relevant loan systems and workflows applicable to the role.
• Commitment to procedure discipline, cross-training, continuous learning and professional development.

Desirable:

• Experience processing primary or secondary loan trades.
• Knowledge of CLO, Stratum or other specialist lending portfolios.
• Experience with Atlantis, MIDAS, ACBS or comparable loan-processing platforms.
• Knowledge of credit-insurance, Islamic-finance or risk-free-rate products.
• Experience supporting operational incidents, root-cause analysis or control remediation.
• Experience participating in user-acceptance testing, process improvement or automation initiatives.
• Experience supporting loan activity across multiple EMEA offices or jurisdictions.

What Mizuho Can Offer You

Here at Mizuho, there are fantastic progression opportunities and clear paths to promotion. We will give you ample opportunity to affect change and to help grow our business.

In addition to the great opportunity outlined above we are also currently able to offer:

• Competitive starting salary, plus discretionary bonus
• Non-contributory pension
• 27 days’ annual leave
• Core working hours*
• Hybrid working - office and home based*
• Virtual GP
• Wellbeing benefits, including Mental Health Allies and First Aiders

*For applicable roles only

At Mizuho, we embrace flexible ways of working when the role permits. We offer different working arrangements like part-time, job-sharing and hybrid (office and home) working. Our purpose-led culture and global infrastructure help us connect, collaborate, and work together in agile ways to meet all our business needs.

We are committed to supporting equality and diversity, and seek to create a workplace that is fully inclusive. We welcome applications from all sections of the community that we operate in and from all ethnic backgrounds, sexual orientation, beliefs, gender identities and disabilities

If you require more information about our equal opportunities policy or wish to discuss any accessibility requirements or reasonable adjustments please contact the recruitment team – recruitment@mizuhoemea.com and we will be happy to help.