Financial Spreading (Associate/ Sr Associate/Delivery Lead/ Manager)

Moodys Analytics; Gurugram District; On-site; INR 800,000 - 1,800,000; Full time

Job summary

Moodys Analytics in Gurgaon is seeking an Finance Analyst for the Lending Services team. You will spread and analyze financial statements using MRA/Creditlens, review MD&A notes, and compute key credit metrics for a US-based client.

The role requires rigorous data accuracy, meeting tight deadlines, and strong communication with clients.

Qualifications

• MBA (Finance) / CA (CPA equivalent) / CFA qualification required or equivalent.
• 3–12 years of experience in spreading and covenant monitoring.
• Strong understanding of credit principles, policies, and regulations.
• Proficient in Advanced MS Excel with strong data analysis — financial statement spreading.

Responsibilities

• Analyze and spread financial statements in Moodys RiskAnalyst (MRA)/Creditlens/templates.
• Assess Income Statement, Balance Sheet, and Cash Flow for credit appraisal.
• Review supplementary schedules, notes, MD&A for breakups and adjustments.
• Normalize financial statements for exceptional items to reach true profitability.
• Compute Adjusted NetWorth, Recurring Cash Flows, Debt Service, and other metrics.
• Review credit agreements and analyze covenants applicable to borrowers.
• Monitor covenant compliance and reporting.
• Perform quality checks on client deliverables.
• Manage capacity, efficiency and accuracy of the process.
• Leverage banking know-how for corporate lending workflows.

Skills

Advanced MS Excel

Excellent communication

Spreading & covenant monitoring

Education

MBA (Finance) / CA / CFA

Tools

MS Excel

Job description

Financial Spreading (Associate/ Sr Associate/ Delivery Lead/ Manager), GGN

• Location: Gurgaon (Work From Office)
• Work hours: 10am to 7pm IST
• Department: Lending Services
• Experience Level : 3-12 years
• 0-2 months' notice candidates preferred due to business need.

Job Purpose

We are looking for a passionate, energetic individual to join our Lending Services division. You will be part of team working as an extension to our US based client ensuring we fulfill the applicable SLAs.

Key Responsibilities

• Analyzing and spreading thefinancial statements in Moodys RiskAnalyst (MRA) / Creditlens / clientcustomized templates
• Analysis of financial statementsincluding Income statement, Balance Sheet & cash flow of public &private companies for the credit appraisal process
• Going through the supplementaryschedules, notes and MD&A for the detailed breakups and adjustments
• Normalizing the financialstatement for exceptional and non-recurring items to arrive at the trueprofitability figures
• Calculating the Adjusted NetWorth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities,Custom Ratios and other financial metrics
• Screening the credit agreementsand analyzing the financial covenants applicable to the borrower
• Monitor Covenant compliance andreporting.
• Conduct detailed quality checks ofclient deliverables
• Managing capacity, efficiency andaccuracy of the process
• The candidate should possessreasonable 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 theclient to ensure the expectations are met
• Support with project scoping,client communication, resource staffing based on the requirement, end-to-endworkflow management, MIS reporting, etc.

Key Competencies

• MBA (Finance) / CA (CPAequivalent) / CFA
• Experience of 3-12 years inspreading and covenant monitoring
• Strong understanding of creditprinciples, policies, and regulations
• Proficient in Advanced MS Excel
• Excellent written and spokencommunication skills
• Experience of working for a USbased bank will be an added advantage