Credit Analyst

Company not disclosed

Hong Kong SAR
Salary not specified
Posted
Full-time
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Job Description

Credit Analyst Financial Analysis, Modelling & Analytics Location: Hong Kong Employment Type: Full-time About Kriteria Kriteria Ratings Limited is an independent credit rating and risk analytics firm headquartered in Hong Kong. We conduct rigorous, transparent and evidence-based credit analysis across traditional and emerging asset classes, including corporates, financial institutions, private credit, structured finance, supply chain finance, digital assets and tokenised real-world assets. Our approach combines established rating methodologies, professional judgement, structured governance and technology-enabled analytical workflows, with particular emphasis on methodological consistency, data quality and traceability. The Role We are seeking a Credit Analyst with approximately three years of relevant experience to join our analytical team. The role combines fundamental financial analysis with quantitative modelling and credit research. The successful candidate will analyse companies, borrowers, transactions and collateral portfolios; develop and review financial and cash-flow models; and support credit analysis, methodology development and ongoing monitoring activities. The analyst will initially focus on building strong credit fundamentals and learning Kriteria’s rating methodologies. Over time, the role will also use data analytics, automation and AI-assisted research tools to improve the efficiency and consistency of the analytical process. Key Responsibilities - Analyse the financial performance, cash flow, capital structure, liquidity and debt-servicing capacity of companies, financial institutions and private credit borrowers; - Review financial statements, audit reports, financing documents, transaction materials, industry information and other credit-relevant evidence; - Build and maintain financial models, including profitability, leverage, cash-flow forecasting, debt-service analysis and stress-testing models; - Develop or evaluate quantitative models used to forecast default risk, revenue, delinquency, recovery rates and portfolio performance; - Analyse the composition, concentration, credit quality and cash-flow characteristics of collateral portfolios; - Conduct cash-flow and structural analysis for asset-backed securities, private credit transactions, supply chain finance products and other structured credit instruments; - Evaluate transaction structures, payment waterfalls, credit enhancement, triggers, liquidity support and structural protections; - Test transaction and portfolio performance under different economic and credit stress scenarios; - Participate in management meetings, due diligence, analytical discussions and rating committee processes; - Prepare credit reports, rating recommendations, committee materials and surveillance updates; - Support ongoing monitoring by identifying material credit developments and early-warning indicators; - Contribute to methodology research, model development, validation, back-testing and documentation; - Use Excel and relevant analytical tools such as Python, R or SQL, together with approved automation and AI-assisted workflows; - Verify the accuracy of model outputs and maintain clear records of data sources, assumptions, analytical adjustments and professional judgements; - Undertake other analytical projects assigned by the analytical team manager. Qualifications - Bachelor’s degree or above in finance, accounting, economics, statistics, mathematics, financial engineering, operations research, data science or another relevant discipline; - Approximately three years of relevant experience in financial analysis, credit analysis, structured finance, risk modelling, audit, valuation, transaction advisory or a related field; - Strong understanding of financial statements and the relationships among the income statement, balance sheet and cash-flow statement; - Sound financial-modelling and quantitative analytical skills; - Ability to interpret financial and statistical results and translate them into clear credit conclusions; - Strong research, analytical reasoning and professional writing skills; - Good written and spoken English and Chinese, including the ability to review English-language financial and legal documents; - Careful and evidence-driven working style, with close attention to data quality, model accuracy and analytical records; - Intellectual curiosity, professional integrity and a willingness to have analytical conclusions challenged; - Ability to work independently while contributing effectively to a small professional team. What We Offer - Direct involvement in credit rating, financial analysis and risk analytics assignments; - Exposure to corporate credit, financial institutions, private credit, structured finance and emerging asset classes; - Structured training in credit rating methodologies, cash-flow analysis and analytical governance; - Opportunities to develop financial-modelling, portfolio analytics and technology-enabled research capabilities; - Direct collaboration with experienced ratings, finance and technology professionals; - Meaningful responsibilities and a clear professional development path; How to Apply Please email the following information to contact@kriteriaratings.com : - An English CV; - Expected monthly remuneration; and - Earliest available start date. Personal data collected will be used for recruitment purposes only. All applications will be treated in strict confidence.

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