Financial Spreading (LS)- Associate/ Sr. Associate

Acuity Analytics; Pune District; On-site; INR 500,000 - 800,000; Full time

Job summary

Acuity Analytics in Pune invites an Associate/Sr. Associate to join our Lending Services team. You will support credit appraisal, financial spreading and ongoing credit monitoring for global clients, using tools like MRA and CreditLens.

Ideal candidates have 2-6 years in spreading, strong Excel skills and ability to perform detailed financial analysis, with a focus on accuracy and data integrity in banking operations.

Qualifications

• 2-6 years of experience in financial spreading.
• Proficiency in Advanced MS Excel.
• Ability to conduct quality checks on deliverables.
• Experience updating data across bank systems and CRM platforms.
• Familiarity with Moody's Risk Analyst (MRA) and CreditLens is preferred.

Responsibilities

• Analyze and spread financial statements using MRA, CreditLens, and client platforms.
• Analyze financial statements (Income Statement, Balance Sheet, Cash Flow) of public and private companies.
• Review supplementary schedules, notes, and MD&A for detailed breakups and adjustments.
• Normalize financials for exceptional and non-recurring items to assess true profitability.
• Calculate key metrics: Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, and custom ratios.
• Perform borrowing base calculations and review certificates.
• Analyze personal financial statements and personal tax returns of guarantors.
• Prepare projected cash flow to assess liquidity and debt repayment capacity.

Skills

Advanced MS Excel

Financial spreading

Analytical skills

Quality checks

CRM platforms

Education

MBA (Finance) / CA / CFA

Tools

Moody's Risk Analyst (MRA)

CreditLens

Job description

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

Job Location - Pune

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

• Analyze and spread financial statements using Moody's Risk Analyst (MRA), CreditLens, and client-specific platforms
• Analyze quarterly, monthly, semi-annual, and annual financial statements (Income Statement, Balance Sheet, Cash Flow) of public and private companies
• Review supplementary schedules, notes, and MD&A for detailed breakups and adjustments
• Normalize financials for exceptional and non-recurring items to assess true profitability
• Calculate key financial metrics including Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, and custom ratios
• Perform borrowing base calculations, review borrowing base certificates, and process
• Analyze personal Financial Statements and personal tax returns of guarantors
• Preparing projected cash flow to assess short-term liquidity needs and debt repayment capacity

Key Competencies

• MBA (Finance) / CA (CPA equivalent) / CFA
• Experience of 2-6 years in spreading
• Proficiency in Advanced MS Excel
• Conduct detailed quality checks of deliverables completed by self, peers, and junior team members
• Update and maintain accurate data across multiple bank systems and CRM platforms