Senior/Lead analyst

Credit Analysis/ Annual Review : Senior/Lead Analyst

Report To: Senior Manager

Department: Corporate & Investment Banking

Location: Gurugram

Job Summary

We are looking to hire someone with experience in credit review/appraisal, credit rating, report writing, capital structure, EBITDA, leverage ratio & financial statement analysis for mid-large corporates, Financial Institutions etc.

Key Responsibilities:

Analyst/ Senior Analyst/ Lead Anaylst 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.
• Performing PD/LGD spreading on risk rating platforms (Quantitative & Qualitative Parameters)
• Calculating covenants in line with facility agreements and providing detailed rationale for covenant 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.

Required Qualifications

• 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
• Ability to practice attentive and active listening skills
• Challenging current thinking by implementing new ways of working Strong Accounting and financial skills
• Understanding and experience of credit review or underwriting role is Preferable
• Experience on lending platforms or credit search platforms like Credit lens, nCino, Lexis/Nexis, Experian would be preferable
• Eye for details and ability to identify and solve issues effectively on time
• Good MS Office Skills
• Excellent Communication and interpersonal skills
• Ability to ensure that tasks within areas of responsibility are completed in a timely manner
• Ability to practice attentive and active listening skills
• Ability to identify pro-active ways to contribute to firms goals & mission
• Challenging current thinking by implementing new ways of working
• Bachelor's/Master's degree with a major in finance, economics, accounting or from a reputed institute.

Preferred Qualifications

• Post Graduation/ MBA in Finance domain/ CFA/CA
• 3 to 7 years of relevant experience in Commercial Banking domain
• Strong Accounting and financial skills Good MS Office Skills
• Excellent Communication and interpersonal skills.