Senior Analyst - Credit Analysis/Financial Spreading

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

Job summary

Evalueserve is seeking a Senior Analyst to join the Lending Services team within Corporate & Investment Banking in Gurgaon. You will support bankers across end-to-end lending processes, including financials spreading and covenant analysis.

The role emphasizes strong accounting and financial skills, and collaboration with lending platforms such as Credit lens, nCino, or Lexis to drive underwriting excellence.

Qualifications

• Bachelor's or master's degree in finance, economics, or accounting from a reputed institute.
• 3–6 years of experience in a similar profile is preferred.
• Understanding/experience in credit review or underwriting is desirable.

Responsibilities

• Spread financial statements (PL, BS and CF) on Excel-based models or lending platforms.
• Perform PD/LGD spreading on risk-rating platforms and provide rationale for covenants.
• Calculate covenants in line with facility agreements and verify breaches.
• Support end-to-end lending processes and conduct periodic MIS and workflow management.
• Analyze business overview and financials (historical and forecast) and covenant performance.

Skills

Accounting skills

Interpersonal skills

Team leadership

Education

Bachelor's/Master's in finance or accounting

Tools

Credit lens

nCino

Lexis

Job description

Department: Corporate & Investment Banking

Location: Gurgaon

Work Model: 5 days WFO

Role & responsibilities

Senior Analyst will join the Lending Services (Corporate and commercial banking) team at Evalueserve.

• Supporting bankers in critical lending/credit processes across end to end lending journey such as follows:
• Financials spreading (PL, BS and CF) on excel based model or lending platform along with key credit.
• Must have experience in team handling, exposure to periodic MIS, Workflow management
• Metrics calculation
• Performing PD/LGD spreading on risk rating platforms (Quantitative & Qualitative Parameters)
• Calculating covenants in line with facility agreements and providing detailed rationale for covenant
• Met/Breach results
• Performing Annual/Quarterly or Half yearly reviews small or medium connections:
• Business Overview
• Financial Analysis (Historical and Forecast) (Operating, Leverage & Liquidity ratios)
• Covenant performance
• PD/LGD analysis
• Verifying/Calculating compliance against bank transaction guidelines (DSC, FCCR, LTV, Interest cover, leverage etc.) or any other sector-based guideline.

Preferred candidate profile

• Strong Accounting and financial skills
• Understanding and experience of credit review or underwriting role is desirable
• Experience on lending platforms or credit search platforms like Credit lens, nCino or Lexis would be preferable.
• Excellent interpersonal and ability to build strong team culture
• Challenging current thinking by implementing new ways of working Strong Accounting and financial skills
• Bachelor's/Masters degree with a major in finance, economics, accounting or from a reputed institute with 3-6 years experience in similar profile