Job Purpose

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

Role & responsibilities
- 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
- 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
- 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.
- Responsible for delivering 100% quality, Meeting strict deadlines and ability to work under pressure.
- Regular communication with the client to ensure the expectations are met
- Support with project scoping, client communication, resource staffing based on the requirement, end-to-end workflow management, MIS reporting, etc.

Preferred candidate profile
- MBA (Finance) / CA (CPA equivalent) / CFA
- Experience of 3-8 years in spreading and covenant monitoring
- 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

📌 Associate/ Senior Associate (Gurugram)
🏢 Acuity Analytics
📍 Gurugram