Associate/Senior Associate-Financial Spreading

Acuity Analytics; Gurugram District; On-site; INR 600,000 - 900,000; Full time

Job summary

Acuity Analytics seeks an experienced finance professional to analyze and spread financial statements using Moodys RiskAnalyst (MRA) and Creditlens. You will review income statements, balance sheets and cash flows for credit appraisal, normalizing for non‑recurring items and computing key metrics.

The role requires MBA/CA/CFA with 3–12 years in spreading and covenant monitoring, strong Excel skills, and excellent communication. US banking experience is a plus; five days of office work weekly.

Qualifications

• MBA (Finance) / CA (CPA equivalent) / CFA
• 3–12 years of experience in spreading and covenant monitoring; 5 days work from office
• Proficient in Advanced MS Excel; strong written and spoken communication; knowledge of US banking is a plus

Responsibilities

• Analyzing and spreading financial statements in Moodys RiskAnalyst (MRA) / Creditlens / client templates
• Analyzing financial statements for credit appraisal (Income statement, Balance Sheet & cash flow)
• Normalizing financial statements for exceptional and non‑recurring items to arrive at true profitability
• Calculating Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Covenants and other metrics
• Screening credit agreements and analyzing covenants; monitor compliance
• Deliver high quality deliverables, manage capacity and meet deadlines
• Client communication, project scoping, and end‑to‑end workflow management

Skills

Credit principles

MS Excel

Communication skills

Financial analysis

Education

MBA (Finance)

CA (CPA equivalent)

CFA

Job description

Key Responsibilities

Analyzing and spreading the financial statements in Moodys RiskAnalyst (MRA) / Creditlens / client customized templatesAnalysis of financial statements including Income statement, Balance Sheet & cash flow of public & private companies for the credit appraisal processGoing through the supplementary schedules, notes and MD&A for the detailed breakups and adjustmentsNormalizing the financial statement for exceptional and non-recurring items to arrive at the true profitability figuresCalculating the Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, Custom Ratios and other financial metricsScreening the credit agreements and analyzing the financial covenants applicable to the borrowerMonitor Covenant compliance and reporting.Conduct detailed quality checks of client deliverablesManaging capacity, efficiency and accuracy of the processThe 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 metSupport 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) / CFAExperience of 3-12 years in spreading and covenant monitoring (5 days work from office)Strong understanding of credit principles, policies, and regulationsProficient in Advanced MS ExcelExcellent written and spoken communication skillsExperience of working for a US based bank will be an added advantage.