Job Title: Financial Spreading (LS) - Associate/ Sr. Associate/ Delivery Lead/ Delivery Manager, BLR

- Location: Pune (Work from Office)
- Work hours: 10am to 7pm IST
- Department: Lending Services (Banking)
- Experience Level: 3-12 years
- 0-30 days' notice candidates preferred due to business need

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
- 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.

Key Competencies

- MBA (Finance) / CA (CPA equivalent) / CFA
- Experience of 3-12 years in spreading and covenant monitoring
- Solid 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

Job Snapshot

Job ID

JOB_8541

Department

Lending Services

Location

ETV -SEZ1, Bengaluru, Karnataka, India

Experience

2 - 15 Years

Employee Type

Permanent

📌 Financial Spreading - Senior Associate/ Delivery Lead/ Delivery Manager, BLR (Bengaluru)
🏢 Acuity Knowledge Partners
📍 Bengaluru