Financial Spreading (Delivery Lead/ Manager)

Acuity Analytics; Gurugram District; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Acuity Analytics is seeking dedicated professionals for its Lending Services team in Gurgaon. The role involves spreading financial statements, analyzing credit risk, and managing client relationships to assess credit worthiness.

Ideal candidates possess 5–10 years of experience, MBA Finance or CA/CFA, and strong Excel skills, with familiarity of Moody's CreditLens and nCino being advantageous. Immediate joiners welcome.

Qualifications

• MBA in Finance or CA/CFA with relevant experience in credit analysis and financial statement spreading.
• 5-10 years experience in spreading and covenant monitoring & quality checks.
• Strong understanding of credit principles, policies, and regulations.
• Proficiency in advanced MS Excel and financial modeling.

Responsibilities

• Spread financial statements using Moody’s CreditLens or client templates.
• Analyze financial statements, performance, and trends to assess credit worthiness.
• Review supplementary schedules, notes, and MD&A for detailed breakups and adjustments.
• Manage a portfolio of clients and handle rating assignments.
• Normalize financial statements for unusual items to arrive at true profitability.

Skills

Leadership

Organizational skills

Teamwork

MS Excel

Credit analysis

Covenant monitoring

Education

MBA (Finance)

CA (CPA equivalent)

CFA

Tools

Moody's CreditLens

nCino

Job description

Notice Period: Immediate Joiners/30 Days all can be considered for these roles!

Acuity is currently looking for dedicated and motivated individuals who have strong leadership, organizational and teamwork skills for its Lending Services team based in Gurgaon.

Key Responsibilities:

• Spreading the financial statements in Moody’s CreditLens/nCino/client customized templates
• Analyzing financial statement, performance, and trend analysis for assessing the credit worthiness of public and private companies
• Going through the supplementary schedules, notes and MD&A for the detailed breakups and adjustments
• Managing a portfolio of clients and handling rating assignments
• Normalizing the financial statement for exceptional and non-recurring items to arrive at the true profitability figures
• Adhering to standard operating procedure & policies including compliance documentation
• Maintaining strong relationship with the client
• 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
• Conduct detailed quality checks of client deliverables and provide necessary trainings to juniors
• MBA (Finance) / CA (CPA equivalent) / CFA
• Experience of 5-10years in spreading and covenant monitoring & quality checks
• 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