Credit Risk Specialist

Job description

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