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

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

Job Location - Gurgaon (Work from office)

Job Purpose

We are looking for a dedicated and motivated individual who has strong technical, analytical and organizational skills for our Lending Services team.

Key Responsibilities

• Analyzing and spreading the financial statements in Moodys Risk Analyst (MRA) / Creditlens / client customized templates
• Analysis of financial statements including Income statement, Balance Sheet & cash flow of public & private companies for the credit appraisal process
• Going through the supplementary schedules, notes and MD&A for the detailed breakups and adjustments
• Normalizing the financial statement for exceptional and non-recurring items to arrive at the true profitability figures
• Calculating the Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, Custom Ratios and other financial metrics
• Screening the credit agreements and analyzing the financial covenants applicable to the borrower
• Monitor Covenant compliance and reporting.
• Conduct detailed quality checks of client deliverables
• The candidate should possess reasonable knowledge of the banking processes related to commercial lending, especially corporate loans.

Key Competencies

• MBA (Finance) / CA (CPA equivalent) / CFA
• Experience of 2-10 years in spreading
• Proven track record of process handling and client management
• Proficient in Advanced MS Excel
• Prior experience of working on Moodys Risk Analyst (MRA) is preferred
• Excellent written and spoken communication skills