Financial Spreading (Associate/Sr. Associate)

Acuity Analytics; Gurugram District; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Acuity Analytics seeks a detail-oriented Associate/Sr. Associate to support financial spreading and credit appraisal for global banking clients. You will analyze financial statements, update models in Moody’s RiskAnalyst and Creditlens, and ensure accurate reporting under tight deadlines.

The role requires MBA (Finance) or CA/CFA, 2–6 years in spreading, and strong Excel plus communication skills. Prior US bank exposure is a plus, and the work location is Gurgaon, India.

Qualifications

• MBA (Finance) or CA or CFA is required.
• Experience of 2–6 years in spreading is required.
• Strong understanding of credit principles, policies, and regulations is required.
• Proficient in Advanced MS Excel and communication skills are essential.

Responsibilities

• Analyzing and spreading financial statements in Moody’s RiskAnalyst (MRA) / Creditlens / templates.
• Assessing Income Statement, Balance Sheet & cash flow for credit appraisal.
• Reviewing supplementary schedules, notes and MD&A for adjustments.
• Normalizing financial statements for exceptional items to determine profitability.
• Calculating Adjusted Net Worth, Recurring Cash Flows, and debt service.

Skills

Advanced MS Excel

Analytical skills

Communication skills

Education

MBA (Finance)

CA (CPA equivalent)

CFA

Tools

Moody’s RiskAnalyst (MRA)

Creditlens

Job description

Financial Spreading (Lending Services), Associate/ Sr. Associate

Job Location - Gurgaon

Mode - Work from office

Job Purpose:

We are looking for dedicated and motivated professionals with strong analytical, technical, and organizational skills to support credit appraisal, financial spreading, lending operations, and ongoing credit monitoring for global banking and financial services clients.

Key Responsibilities:

• Analyzing and spreading the financial statements in Moody’s RiskAnalyst (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.

Required Background:

• MBA (Finance) / CA (CPA equivalent) / CFA
• Experience of 2-6 years in spreading
• Strong understanding of credit principles, policies, and regulations
• Proficient in Advanced MS Excel
• Excellent written and spoken communication skillsExperience of working for a US based bank will be an added advantage