Financial Spreading - Associate/ Sr Associate/ Delivery Lead/ Manager

• Candidates who can join on or before 11 Nov 2026 will be preferred due to an immediate business requirement.

• Analyzing and spreading the financial statements in Moodys Risk Analyst (MRA) / Creditlens / client customized templates
• Analysis of financial statements including Income statement, Balance Sheet cash flow of public private companies for the credit appraisal process
• Going through the supplementary schedules, notes and MDA for the detailed breakups and adjustments
• Normalizing the financial statement for exceptional and non-recurring items to arrive at the true profitability figures
• Calculating the Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, Custom Ratios and other financial metrics
• Screening the credit agreements and analyzing the financial covenants applicable to the borrower
• Monitor Covenant compliance and reporting.
• Conduct detailed quality checks of client deliverables
• Managing capacity, efficiency and accuracy of the process
• The candidate should possess reasonable knowledge of the banking processes related to commercial lending, especially corporate loans
• Responsible for delivering 100% quality, Meeting strict deadlines and ability to work under pressure
• Regular communication with the client to ensure the expectations are met
• Support with project scoping, client communication, resource staffing based on the requirement, end-to-end workflow management, MIS reporting, etc.

• MBA (Finance) / CA (CPA equivalent) / CFA
• Experience 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

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