Senior Analyst - Credit Analysis/Financial Spreading

Department: Corporate & Investment Banking

Location: Gurgaon

Work Model: 5 days WFO

Role & responsibilities

Senior Analyst will join the Lending Services (Corporate and commercial banking) team at Evalueserve.

• Supporting bankers in critical lending/credit processes across end to end lending journey such as follows:
• Financials spreading (PL, BS and CF) on excel based model or lending platform along with key credit.
• Must have experience in team handling, exposure to periodic MIS, Workflow management
• Metrics calculation
• Performing PD/LGD spreading on risk rating platforms (Quantitative & Qualitative Parameters)
• Calculating covenants in line with facility agreements and providing detailed rationale for covenant
• Met/Breach results
• Performing Annual/Quarterly or Half yearly reviews small or medium connections:
• Business Overview
• Financial Analysis (Historical and Forecast) (Operating, Leverage & Liquidity ratios)
• Covenant performance
• PD/LGD analysis
• Verifying/Calculating compliance against bank transaction guidelines (DSC, FCCR, LTV, Interest cover, leverage etc.) or any other sector-based guideline.

Preferred candidate profile

• Strong Accounting and financial skills
• Understanding and experience of credit review or underwriting role is desirable
• Experience on lending platforms or credit search platforms like Credit lens, nCino or Lexis would be preferable.
• Excellent interpersonal and ability to build strong team culture
• Challenging current thinking by implementing new ways of working Strong Accounting and financial skills
• Bachelor's/Masters degree with a major in finance, economics, accounting or from a reputed institute with 3-6 years experience in similar profile