Credit Analyst

Kriteria Ratings Limited; Hong Kong Island; On-site; HKD 320,000 - 520,000; Full time

Job summary

Kriteria Ratings Limited in Hong Kong is seeking a Credit Analyst with approximately three years of relevant experience. The role blends fundamental financial analysis with quantitative modelling and credit research to support rating decisions and ongoing monitoring.

You will build and review financial models, assess borrowers and collateral, develop credit conclusions, and contribute to surveillance. Strong English and Chinese writing, rigorous data analysis and attention to detail are

Qualifications

• Bachelor's degree in finance, accounting, economics or a related field.
• Approximately three years of relevant experience in financial analysis, credit analysis or risk modelling.
• Strong understanding of financial statements and their interrelationships.
• Excellent written and verbal communication in English and Chinese.

Responsibilities

• Analyse the financial performance, cash flow, capital structure, liquidity and debt-servicing capacity of borrowers and entities.
• Review financial statements, audit reports and financing documents.
• Build and maintain financial and cash-flow models; conduct scenario testing.
• Develop rating recommendations and contribute to surveillance updates.
• Support monitoring by identifying material credit developments and early-warning indicators.

Skills

Credit analysis

Financial modelling

Cash flow analysis

Credit research

Data analysis

English & Chinese writing

Analytical reasoning

Education

Bachelor's degree in finance or related

Tools

Financial software

Excel

Job description

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

Prepare credit reports, rating recommendations, committee materials and surveillance updates

Support ongoing monitoring by identifying material credit developments and early-warning indicators

About you

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

About us

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.

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

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