Real Estate Finance, Portfolio Manager - Associate

Profile Summary

The Structured Finance Portfolio Management (SFPM) team is responsible for credit risk management and administration activities for a diverse portfolio of transactions in the renewable energy, power, energy transition, natural resources, infrastructure/PPP, real estate and securitised product sectors. It is both a client-dealing and a middle office role, and includes inter alia amendment/waiver requests, rating reviews, proactive monitoring of all risks, covenant monitoring and interface with key external and internal stakeholders (including Sponsors, Project Managers, external advisers, other financial institutions, Bank Senior Management, Credit Departments, Front Office, Treasury, Loan Admin and other internal departments as required). The ideal candidate will be highly self-motivated, risk aware, experienced in project finance and/or real estate finance, customer focussed and enjoy working collaboratively in a positive team environment.

Duties and Responsibilities

• Account management of a range of project finance (“PF”) assets across all sectors (e.g.  Power, Infrastructure, Energy Transition, Natural Resources) and/or real estate finance (“REF”) assets;
• The portfolio may include difficult transactions which will involve regular additional reporting internally to senior management and credit and risk departments, and potential work on credit applications with originators in case of a restructuring;
• Diligent and proactive credit monitoring through the review of all covenanted financial and project information (e.g. financial models, Borrower and Adviser operational / construction progress reports) as well as compliance with all regular reporting activities in line with the bank’s policy and procedures with a view to keep the senior management of Portfolio Management advised of the developments / issues that could affect the credit quality and consequently provisioning levels;
• Timely completion of all regular credit processes related to PF and/or REF assets, such as rating reviews, credit watchlist reporting, self-assessment and any other credit related instructions, as well as waivers, amendments, extensions and any ad-hoc exercises;
• Administration tasks and regular reporting relating to a portfolio of assets including but not limited to performance monitoring, rating reviews, Know your Customer and Anti Money Laundering, Mandates, etc.;
• In some cases, there may be opportunities to support and co-work with the PF and/or REF origination teams; 
• Active interface with internal departments including Credit, Legal, Front Office, Middle Office, Treasury, Audit and Back Office as well as other Mizuho offices;
• Maintenance of good relationships with Agent banks, clients and other professional bodies through the timely process of requests and attendance of bank meetings, site visits etc.

Qualifications, Skills, and Experience

• Good understanding of risks associated with PF and/or REF assets (preferable)
• Good knowledge and interpretation of legal documentation
• Good financial analytical skills / interpretation of financial models with ability to run sensitivities /accounting knowledge
• Demonstrable experience in managing a diverse portfolio of PF and/or REF assets (preferable)
• Ability to solve problems, make decisions and innovate
• Excellent communication skills, self-motivation and flexible work approach
• Independent thinker but collaborative nature to contribute to a successful team performance
• Good organisational and time management skills and ability to work under pressure at times
• Second language skills desirable
• Education minimum 2 A-Levels but Bachelor’s degree or equivalent desirable.

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.

At Mizuho we are committed to supporting equality, diversity and equality, 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.