Financial Spreading (LS) - Associate/Sr. Associate/Delivery Lead

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

Job summary

Acuity Analytics in Pune is seeking a motivated Financial Spreading professional at Associate/Sr. Associate/Delivery Lead level to join our Lending Services team.

The role demands strong analytical, technical and organizational skills and offers a path to leadership on complex credit projects. You will analyze and spread financial statements with Moodys Risk Analyst, Creditlens or client templates, assess creditworthiness for public and private companies, review MD&A and notes, monitor covenants

Qualifications

• 2–8 years of experience in spreading and covenant monitoring.
• Strong understanding of credit principles, policies, and regulations.
• Excellent written and spoken communication skills.
• Proficient in Advanced MS Excel.

Responsibilities

• Analyze and spread financial statements using MRA, Creditlens, or client templates.
• Assess financial statements for credit appraisal of public and private companies.
• Review MD&A and notes for detailed breakups and adjustments.
• Normalize financials for exceptional items to reveal true profitability.
• Compute Adjusted Net Worth, Recurring Cash Flows, Debt Service, and ratios.
• Analyze credit covenants and monitor compliance.
• Quality checks of client deliverables and accuracy.
• Manage capacity, efficiency and process accuracy.
• Knowledge of banking processes related to corporate lending.
• Deliver 100% quality and meet deadlines under pressure.
• Maintain client communication to align expectations.
• Support project scoping, staffing and MIS reporting.

Skills

Advanced MS Excel

Excellent communication

Education

MBA (Finance)

CA (CPA equivalent)

CFA

Job description

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

Job Location - Pune

Mode - Work from office

Job Purpose

We are looking for a dedicated and motivated individual who has strong technical, analytical and organizational skills for our Lending Services team.

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 2-8 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