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
• Solid 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 to mobilize resources
• Experience of working for a US based bank will be an added advantage

📌 Associate/Senior Associate-Spreading (India)
🏢 Acuity Analytics
📍 India