Job DescriptionKey Responsibilities N● Source annual reports, audited financial statements, and interim financials from company websites, central bank portals, regulatory filings, and platforms such as Capital IQ. N● Perform financial spreading — accurately entering balance sheet, income statement, and cash flow data into credit platforms such as Moody's Credit Lens or FactSet. N● 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). N● Apply the CAMELS methodology for financial institutions and profitability/solvency/earnings analysis for corporate entities. N● Conduct qualitative research: business model, products, market presence, ownership structure, and external ratings from S&P;, Moody's, and Fitch. N● Perform covenant testing — verifying client compliance with defined financial thresholds and flagging breaches. N● Draft explicit,



well-structured credit review reports identifying the key drivers of changes in financial performance, for consumption by credit officers. N● Complete financial institution reviews while meeting quality and turnaround SLAs. N● Maintain review recordsand workflow status in systems such as Salesforce or equivalent credit workflow tools. NQualificationsn● Bachelor's degree in Finance, Accounting, Economics, or a related field; MBA (Finance), CA (Inter), CFA Level I/II. N● 3–7 years of experiencein credit analysis, counterparty risk, ratings support, or financial spreading — ideally within banking, KPO/credit research, or a rating agency environment. N● Strong understanding offinancial statements and bank/corporate financial ratios. N● Hands-on exposure to atleast one spreading or data platform: Moody's CreditLens, FactSet, Capital IQ, S&P; Capital IQ Pro, or equivalent. N● Advanced Excel skills (financial models, ratio templates). N● Strong written English — ability to produce concise, analytical credit commentary

📌 Credit Risk Specialist (Vasanthanagar)
🏢 Straive
📍 Vasanthanagar