Financial Spreading (Associate/ Sr Associate/Delivery Lead/ Manager)

• Location: Gurgaon (Work From Office)
• Work hours: 10am to 7pm IST
• Department: Lending Services
• Experience Level : 3-12 years
• 0-2 months' notice candidates preferred due to business need.

• Analyzing and spreading thefinancial statements in Moodys RiskAnalyst (MRA) / Creditlens / clientcustomized templates
• Analysis of financial statementsincluding Income statement, Balance Sheet & cash flow of public &private companies for the credit appraisal process
• Going through the supplementaryschedules, notes and MD&A for the detailed breakups and adjustments
• Normalizing the financialstatement for exceptional and non-recurring items to arrive at the trueprofitability figures
• Calculating the Adjusted NetWorth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities,Custom Ratios and other financial metrics
• Screening the credit agreementsand analyzing the financial covenants applicable to the borrower
• Monitor Covenant compliance andreporting.
• Conduct detailed quality checks ofclient deliverables
• Managing capacity, efficiency andaccuracy of the process
• The candidate should possessreasonable 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 theclient to ensure the expectations are met
• Support with project scoping,client communication, resource staffing based on the requirement, end-to-endworkflow management, MIS reporting, etc.

• MBA (Finance) / CA (CPAequivalent) / CFA
• Experience of 3-12 years inspreading and covenant monitoring
• Strong understanding of creditprinciples, policies, and regulations
• Proficient in Advanced MS Excel
• Excellent written and spokencommunication skills
• Experience of working for a USbased bank will be an added advantage

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