Delivery Manager- Financial Spreading

Job description

Role & responsibilities

• Covenant Monitoring & Compliance
• Monitor financial and non-financial covenants for assigned loan portfolios.
• Review borrower-submitted financial statements, compliance certificates, and other required documentation.
• Calculate financial covenant ratios and assess compliance against agreed thresholds.
• Track covenant due dates and ensure timely receipt of borrower information.
• Identify, investigate, and document covenant breaches or potential exceptions.
• Risk Assessment & Analysis
• Conduct variance analysis and identify early warning signals.
• Escalate covenant breaches, waivers, amendments, and high-risk observations to relevant stakeholders.
• Support credit risk teams in evaluating covenant-related findings.
• Reporting & Documentation
• Maintain accurate covenant monitoring systems and databases.
• Prepare periodic compliance reports, exception reports, and management dashboards.
• Ensure proper documentation of covenant reviews, calculations, and approvals.
• Support internal and external audits by providing required doc

Preferred candidate profile

• MBA (Finance) / CA (CPA equivalent) / CFA
• Experience of 8- 15 years in spreading and covenant monitoring
• Strong understanding of credit principles, policies, and regulations
• Proficient in Advanced MS Excel
• Excellent written and spoken communication skills
• Experience of working for a US based bank will be an added advantage