Acuity is currently looking for for experienced professionals (8-12 years) in Financial Spreading & Covenant Monitoring to join our growing team in Pune
Location: Pune
Work hours: 11am to 8pm IST
Department: Lending Services
Experience Level: 8-12 years
Notice Period: 0 to 30 days joiners preferred
Key Skills/ Responsibilities
Act as a subject matter expert for financial spreading, covenant monitoring, and credit analysis, providing guidance on complex transactions and exceptions.
Drive continuous process improvement initiatives to enhance efficiency, accuracy, and scalability across engagements.
Identify operational risks and implement mitigation strategies to ensure seamless service delivery.
Analyzing and spreading the financial statements in Moodys RiskAnalyst (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
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
Managing capacity, efficiency and accuracy of the process
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 8 plus years in spreading and covenant monitoring
Exp. in borrowing base is desirable
Solid understanding of credit principles, policies, and regulations
Proficient in Advanced MS Excel
Excellent written
📌 Financial Spreading (Pune)
🏢 Acuity Analytics
📍 Pune
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