Financial Spreading (CRE/ C&I) - Associate

• Analyzingand spreading the financial statements on various financial platforms
• Analysisof financial statements including Income Statement, Balance Sheet and Cash FlowStatement of public and private companies for the credit appraisal process
• Knowledgeof Property Operating Statements, Budget / Proforma statements, Tax Returns,Audited Annual statements
• Goingthrough the supplementary schedules of Annual report, notes, Budget, QSRreports, and MDA for the detailed breakups and adjustments
• Normalizingthe financial statements for exceptional and non-recurring items to arrive atthe true profitability figures
• Knowledgeof U.S. Commercial Real Estate (CRE) industry across property types -Multifamily, Affordable Housing, Office, Retail, Industrial, etc.
• Calculatingthe Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, ContingentLiabilities, custom ratios and other financial metrics
• MonitorCovenant compliance and reporting
• Supportwith project scoping, end-to-end workflow management, MIS reporting, etc.Responsible for adherence to client SLAs and Policies
• Identifyways for improvement in efficiency gains and process improvement
• Regularcommunication with the client to ensure the expectations are met

• MBA(Finance) / MCom / CA (CPA equivalent) / CFA
• Experienceof 2-5 years in spreading and covenant monitoring
• Strongunderstanding of credit principles, policies, and regulations
• Proficientin MS Excel
• Goodcommunication skills both written and verbal to take client calls on regularbasis
• Exceptionalorganizational skills, including multi-task capability, priority setting andmeeting deadlines
• Abilityto build collaborative relationships and effectively leverage networks tomobilize resources
• Experience of working for a US basedbank will be an added advantage

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