Financial Spreading (Associate/ Sr. Associate)

Credit Rating/ Analysis (Associate/ Sr. Associate)
Job location- Bengaluru (WFO mode)

We are looking for a passionate, energetic individual to join our Lending Services division. You will be part of team working as an extension to our US based client ensuring we fulfill the applicable SLAs.

Key Responsibilities

• Spreading the financial statements in Moodys CreditLens/nCino/client customized templates
• Analyzing financial statement, performance, and trend analysis for assessing the credit worthiness of public and private companies in C&I and CRE space
• Managing a portfolio of clients and handling rating assignments
• Preparing credit reports (annual/quarterly) by including profile of the counterparty, key rating considerations, credit risk assessment, (including financial & peer analysis, rating rationale, outlook etc.)
• Normalizing the financial statement for exceptional and non-recurring items to arrive at the true profitability figures
• Build forecast excel models
• Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the counterparties
• Adhering to standard operating procedure & policies including compliance documentation
• Maintaining strong relationship with the client
• 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
• Conduct detailed quality checks of client deliverables
• Responsible for delivering 100% quality, meeting strict deadlines and ability to work under pressure

Key Competencies

• MBA (Finance) / CA (CPA equivalent) / CFA
• Experience of 2-5 years in spreading, covenant monitoring and credit report writing
• Strong understanding of credit principles, policies, and regulations
• Proficient in Advanced MS Excel
• Excellent written and spoken communication skills
• Experience of working for a US based bank will be an added advantage