Job Title: Financial Spreading (CRE/ C&I;) - Associate, Pune

Location: Pune (Hybrid)

Work hours: 11am to 8pm IST

Department: Lending Services (Banking)

Experience Level : 3-5 years

0-2 months' notice candidates preferred due to business need

Key Responsibilities

Analyzing and spreading the financial statements on various financial platforms
Analysis of financial statements including Income Statement, Balance Sheet and Cash Flow Statement of public and private companies for the credit appraisal process
Knowledge of Property Operating Statements, Budget / Proforma statements, Tax Returns, Audited Annual statements
Going through the supplementary schedules of Annual report, notes, Budget, QSR reports, and MD&A; for the detailed breakups and adjustments
Normalizing the financial statements for exceptional and non-recurring items to arrive at the true profitability figures
Knowledge of U.S. Commercial Real Estate (CRE) industry across property types - Multifamily, Affordable Housing, Office, Retail, Industrial, etc.
Calculating the Adjusted Net Worth, Recurring Cash Flows,



Annual Debt Service, Contingent Liabilities, custom ratios and other financial metrics
Monitor Covenant compliance and reporting
Support with project scoping, end-to-end workflow management, MIS reporting, etc. Responsible for adherence to client SLAs and Policies
Identify ways for improvement in efficiency gains and process improvement
Regular communication with the client to ensure the expectations are met

Key Competencies

MBA (Finance) / MCom / CA (CPA equivalent) / CFA
Experience of 2-5 years in spreading and covenant monitoring
Robust understanding of credit principles, policies, and regulations
Proficient in MS Excel
Good communication skills – both written and verbal to take client calls on regular basis
Exceptional organizational skills, including multi-task capability, priority setting and meeting deadlines
Ability to build collaborative relationships and effectively leverage networks t

📌 Financial Spreading (Pune)
🏢 Acuity Analytics
📍 Pune