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

• Location: Bangalore (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 o

📌 Lending Services (Bengaluru)
🏢 Acuity Analytics
📍 Bengaluru