Credit Analysis - Oil & Gas, Associate

Job title: Credit Analysis - Oil & Gas, Associate

About the Role The CSPC team at Mizuho is responsible for credit applications and internal ratings in the Americas. This role acts as a linchpin among branches, agencies and credit departments, requiring deep Oil & Gas industry knowledge and market awareness to guide senior management on credit decisions.

What You'll Do

• Analyze credit including borrower worthiness, loan structure, risk/return, operating profile and industry profile (historical P&L, financial condition, cash flow). Create cash flow projections and assess management and Mizuho sensitivity cases.
• Compare prospective borrowers to peers, prepare clear Credit Opinions, and discuss potential credit-structure changes for approval.
• Assess small E&P companies with Reserve-Based Lending (RBL), incorporating independent reserve engineer recommendations, RBL policy, regulatory guidelines and collateral analysis.
• Present credit approval recommendations to senior management; assign internal/regulatory risk ratings as required.
• Coordinate with Energy relationship managers and portfolio managers; engage in external meetings with syndicate banks, rating agencies, clients and law firms.
• Proactively monitor borrowers/industry subsectors using market data (share price, EDF, CDS, loan secondary prices) and report impacts to Senior Management.
• Ensure compliance with credit standards and policies; serve as a liaison gathering information from branches/agencies/credit departments and senior management.

What We're Looking For

• Proven credit analysis skills with the ability to assess credit trends, migration and default risk; Oil & Gas industry experience including RBL for smaller E&P companies.
• Ability to write well-organized, accurate reports and perform thoughtful cash flow projections (with AI tools if applicable).
• Strong multitasking and ongoing portfolio monitoring capabilities.
• Undergraduate degree in Accounting, Business, Finance or Economics or strong quantitative background; solid time management and planning skills.
• Excellent analytical, verbal and written communication skills; ability to present credit packages to decision makers.
• Interpersonal skills and ability to work independently and in teams; strong knowledge of Mizuho credit policies.
• Proficiency with Capital IQ, Bloomberg, MS Excel, Word and PowerPoint.
• Formalized credit training from an accredited financial institution with 6+ years of experience and strong financial modeling skills.

Nice to Have

• Experience using AI tools to enhance analysis and reporting.

Compensation & Benefits

• Salary expected to be between $95,000 and $115,000 annually.
• Generous benefits including Medical, Dental and 401K plans, plus a discretionary bonus program.
• Hybrid working program with potential for remote work depending on role and regulatory obligations.