Senior Analyst || Financial Spreading & Covenant's

Evalueserve; Gurugram District; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Evalueserve is seeking a Senior Analyst for Lending Services in Corporate & Commercial Banking. You will support bankers across end-to-end lending processes, including financial spreading, PD/LGD analysis, covenant checks, and periodic reviews, with emphasis on accuracy and timely delivery.

The role requires 3+ years of banking experience, strong accounting skills, and hands-on familiarity with CreditLens, nCino, LexisNexis, or Experian. You will contribute to a high-performance team in Gurugram.

Qualifications

• 3+ years of experience in corporate/commercial banking.
• Bachelor's/Master's degree in finance, economics, or accounting.
• Experience with lending platforms or credit search platforms (CreditLens, nCino, LexisNexis, Experian) is preferred.

Responsibilities

• Financials spreading (PL, BS, CF) on Excel or lending platform with credit.
• Metrics calculation.
• PD/LGD spreading on risk rating platforms.
• Calculating covenants per facility agreements and identifying breaches.
• Performing annual/quarterly/half-year reviews for connections.
• Financial analysis (historical & forecast) including leverage and liquidity ratios.
• PD/LGD analysis.
• Verifying compliance with bank transaction guidelines (DSC, FCCR, LTV, Interest cover, leverage).

Skills

Accounting & finance

Credit underwriting

Team leadership

Interpersonal skills

Education

Bachelor's/Master's degree in finance/economics/accounting

Tools

CreditLens

nCino

LexisNexis

Experian

Job description

Lending Services (Corporate & Commercial Banking) Supporting global banking clients across the end-to-end lending lifecycle, including credit underwriting, financial spreading, risk assessment, covenant monitoring, and portfolio reviews. Drive operational excellence through effective workflow management, MIS reporting, and quality delivery. The ideal candidate will bring 3+ years of corporate/commercial banking experience, strong accounting and credit analysis expertise, proven people leadership skills, and hands-on experience with lending platforms such as CreditLens, nCino, LexisNexis, or Experian.

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.
• 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).
• PD/LGD analysis.
• Verifying/Calculating compliance against bank transaction guidelines (DSC, FCCR, LTV, Interest cover, leverage etc.) or any other sector-based guideline.

Qualifications

• Bachelor's/Master's degree with a major in finance, economics, accounting or from a reputed institute with 3+ years' experience in the similar profile.

Required Skills

• 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, Lexis/Nexis, Experian would be preferable.
• Excellent interpersonal and ability to build strong team culture.
• Ability to ensure that tasks of team members are completed in a timely manner.
• Ability to practice attentive and active listening skills.
• Challenging current thinking by implementing new ways of working.

Preferred Skills

• Strong Accounting and financial skills.

Disclaimer

The following job description serves as an informative reference for the tasks you may be required to perform. However, it does not constitute an integral component of your employment agreement and is subject to periodic modifications to align with evolving circumstances.

Please Note

We appreciate the accuracy and authenticity of the information you provide, as it plays a key role in your candidacy. As part of the Background Verification Process, we may verify your employment, education, and other details. Please ensure all information is factual and submitted on time. For any assistance, your recruiter is available to support you.