Financial Spreading - Associate/ Senior Associate/ Delivery Lead, Pune

Acuity Analytics; Maharashtra; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Acuity Analytics in Pune invites an experienced Financial Spreading professional to join as Associate/Sr. Associate/Delivery Lead. The role requires 4-8 years in spreading and covenant monitoring, with strong Excel skills and deep understanding of banking credit principles.

You will analyze financial statements, normalize non-recurring items, and prepare deliverables for US-based clients, ensuring 100% quality and timely delivery in a work-from-office setup.

Qualifications

• MBA/CA/CFA with 4-8 years of experience in spreading and covenant monitoring.
• Strong understanding of credit principles, policies, and regulations.
• Proficient in advanced MS Excel and financial modeling.
• Excellent written and spoken communication skills.

Responsibilities

• Analyzing and spreading the financial statements in Moodys Risk Analyst (MRA) / Creditlens / 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.

Skills

Advanced MS Excel

Credit principles

Communication skills

Education

MBA (Finance)

CA / CFA

Job description

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

• Location: Pune (Work from Office)
• Work hours: 10am to 7pm IST
• Department: Lending Services (Banking)
• Experience Level : 4-8 years
• 0-2 months' notice candidates preferred due to business need

Key Responsibilities

• Analyzing and spreading the financial statements in Moodys Risk Analyst (MRA) / Creditlens / 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 3-8 years in spreading and covenant monitoring
• Strong 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