Credit Analysis, AI Validation Specialist

This is a fully remote position, open to applicants in Sri Lanka.

📋 Description

• Review and authenticate AI-generated credit analysis results against the foundational debt documentation.

• Detect inaccuracies, discrepancies, absent context, or neglected risks in AI-generated conclusions.

• Ensure that analytical outputs are thorough, precise, and relevant to commercial interests.

• Continuously enhance the quality and dependability of AI-assisted review processes.

• Examine senior secured credit agreements, bond indentures, loan facilities, and associated debt documentation.

• Decode covenant structures, lender protections, borrower restrictions, and implications for the capital stack.

• Identify loopholes, liquidity issues, covenant risks, and vulnerabilities in restructuring.

• Transform complex legal-financial terminology into succinct, actionable summaries.

• Review financial statements such as 10-Ks, 10-Qs, balance sheets, income statements, cash flow statements, and P&Ls.

• Evaluate borrower financial health concerning debt commitments and covenant adherence.

• Analyze distressed companies across various sectors, including healthcare, software, and technology.

• Assess liquidity challenges, restructuring consequences, and broader credit risk indicators.

• Assist in distressed company research and target sourcing initiatives utilizing public filings and market intelligence.

• Examine SEC EDGAR filings and related documents to support analytical workflows.

• Aid in developing scalable research and analytical processes.

• Function autonomously in a dynamic startup environment, demonstrating strong ownership and accountability.

• Prepare clear, high-signal summaries for review by founders and leadership.

• Communicate covenant issues, documentation discrepancies, restructuring risks, and AI validation findings effectively.

• Proactively highlight issues and assist in decision-making with structured analytical insights.

⛳️ Requirements

• 3–6 years of experience in leveraged finance, restructuring, private credit, corporate credit analysis, or similar analytical settings. Experience in fast-paced or high-accountability environments is highly desirable.

• Comprehensive understanding of senior secured credit agreements, bond indentures, loan facilities, covenant structures, and capital stack implications. Capable of independently interpreting complex debt documentation.

• Proficient in financial statement analysis, with experience in reviewing balance sheets, income statements, cash flow statements, and other indicators of borrower financial health.

• Knowledge of distressed company analysis, liquidity risk evaluation, restructuring implications, covenant risk assessment, and signals of credit deterioration.

• Comfortable collaborating with AI-assisted analysis systems, including validating machine-generated outputs, identifying inconsistencies, and enhancing analytical reliability through human insight.

• Exceptional ability to condense large amounts of financial and legal information into concise, actionable insights. Highly detail-oriented with outstanding analytical reasoning skills.

• Strong written communication abilities, with the capability to convey complex findings clearly and operate independently with minimal supervision in startup environments.

• Familiarity with DCF models, LBO frameworks, distressed debt analysis, or related credit modeling concepts is highly preferred.

🏝️ Benefits

• Competitive salary and performance-based incentives.

• Opportunities for professional development and career advancement.

• Flexible working hours and the possibility of remote work.

• Collaborative and innovative work environment.

• Health, dental, and vision insurance coverage.