Credit Risk Specialist

Key Responsibilities

● Source annual reports, audited financial statements, and interim financials from company websites, central bank portals, regulatory filings, and platforms such as Capital IQ.

● Perform financial spreading — accurately entering balance sheet, income statement, and cash flow data into credit platforms such as Moody's Credit Lens or FactSet.

● Compute and interpret key credit metrics: interest coverage, debt service coverage, leverage, liquidity, and profitability ratios (ROA, ROE, NIM), and — for banks — capital adequacy (Tier 1 / CET1), asset quality (NPL ratios, provisioning), and liquidity (LCR, NSFR).

● Apply the CAMELS methodology for financial institutions and profitability/solvency/earnings analysis for corporate entities.

● Conduct qualitative research: business model, products, market presence, ownership structure, and external ratings from S&P, Moody's, and Fitch.

● Perform covenant testing — verifying client compliance with defined financial thresholds and flagging breaches.

● Draft clear, well-structured credit review reports identifying the key drivers of changes in financial performance, for consumption by credit officers.

● Complete financial institution reviews while meeting quality and turnaround SLAs.

● Maintain review records and workflow status in systems such as Salesforce or equivalent credit workflow tools.

Qualifications

● Bachelor's degree in Finance, Accounting, Economics, or a related field; MBA (Finance), CA (Inter), CFA Level I/II.

● 3–7 years of experience in credit analysis, counterparty risk, ratings support, or financial spreading — ideally within banking, KPO/credit research, or a rating agency environment.

● Strong understanding of financial statements and bank/corporate financial ratios.

● Hands-on exposure to at least one spreading or data platform: Moody's CreditLens, FactSet, Capital IQ, S&P Capital IQ Pro, or equivalent.

● Advanced Excel skills (financial models, ratio templates).

● Strong written English — ability to produce concise, analytical credit commentary