Associate/Senior Associate-Spreading

Acuity Analytics; Pune District; Hybrid; INR 600,000 - 1,200,000; Full time

Job summary

Acuity Analytics in Pune seeks a finance analyst to spread and analyze financial statements across platforms, supporting credit appraisal for public and private companies.

You will normalize statements, assess ratios, monitor covenants, and prepare MIS reports, while ensuring client SLAs and adherence to policies.

Ideal candidates have 2–5 years of experience, strong Excel skills, and knowledge of US CRE would be advantageous.

Qualifications

• MBA (Finance) / MCom / CA (CPA equivalent) / CFA
• Experience of 2-5 years in spreading and covenant monitoring
• Strong 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

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

Job description

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
• Strong 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