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 Robust 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 pref

📌 Senior/Lead analyst (Gurugram)
🏢 Evalueserve
📍 Gurugram