Job Title: Financial Spreading (Associate/ Sr Associate/ Delivery Lead/ Manager/ Assistant Director)

- Location: Pune (work from office)
- Work hours: 10am to 7pm IST
- Department: Lending Services
- Experience Level : 2-14 years
- 0-2 months' notice candidates preferred due to business need.

Job Purpose 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

Analyzing and spreading the financial statements in Moodys Risk Analyst (MRA) / Credit lens / client customized templates

Analysis of financial statements including Income statement, Balance Sheet cash flow of public private companies for the credit appraisal process

Experience in Personal Tax Returns, Business Tax Returns with in-depth knowledge in various schedules of Tax Returns

Going through the supplementary schedules, notes and MDA 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.

Key Competencies

MBA (Finance) / CA (CPA equivalent) / CFA

Experience of 3-12 years in spreading and covenant monitoring

Robust 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

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

📌 Financial Spreading (Associate/Senior Associate/ Delivery Lead) (Pune)
🏢 Moodys Analytics
📍 Pune