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 robust 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.

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