Financial Spreading (LS)- Associate/ Sr. Associate

Financial Spreading (Lending Services) - Associate/ Sr. Associate

Job Location - Gurgaon

Mode - Work from office

Job Purpose

We are looking for dedicated and motivated professionals with strong analytical, technical, and organizational skills to support credit appraisal, financial spreading, lending operations, and ongoing credit monitoring for global banking and financial services clients.

Key Responsibilities

• Analyze and spread financial statements using Moody's Risk Analyst (MRA), CreditLens, and client-specific platforms
• Analyze quarterly, monthly, semi-annual, and annual financial statements (Income Statement, Balance Sheet, Cash Flow) of public and private companies
• Review supplementary schedules, notes, and MD&A for detailed breakups and adjustments
• Normalize financials for exceptional and non-recurring items to assess true profitability
• Calculate key financial metrics including Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, and custom ratios
• Perform borrowing base calculations, review borrowing base certificates, and process
• Analyze personal Financial Statements and personal tax returns of guarantors
• Preparing projected cash flow to assess short-term liquidity needs and debt repayment capacity

Key Competencies

• MBA (Finance) / CA (CPA equivalent) / CFA
• Experience of 2-6 years in spreading
• Proficiency in Advanced MS Excel
• Conduct detailed quality checks of deliverables completed by self, peers, and junior team members
• Update and maintain accurate data across multiple bank systems and CRM platforms

If you have relevant experience and can join us within 30 Days, please email your resume to [email removed].