Senior/Lead analyst

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

Job summary

Evalueserve in Gurugram seeks a Credit Analysis/Annual Review Senior/Lead Analyst to support lending teams across end-to-end credit workflows. You will analyze financials, assess credit risk and prepare detailed reviews for mid-to-large corporates and financial institutions.

The role requires strong accounting/financial skills, experience in credit review, and familiarity with lending platforms. Collaboration with bankers and cross-functional teams is essential.

Qualifications

• 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.
• Eye for details and ability to identify and solve issues effectively on time.

Responsibilities

• Spreads financials (P&L, balance sheet and cash flow) on an Excel-based model or lending platform with key credit inputs.
• Performs PD/LGD spreading on risk rating platforms using quantitative and qualitative parameters.
• Calculates covenants in line with facility agreements and provides detailed rationale.
• Reviews operating, leverage and liquidity ratios and covenant performance on a periodic basis.
• Verifies compliance against bank transaction guidelines (DSC, FCCR, LTV, interest cover, leverage) and sector-based norms.

Skills

Accounting skills

Credit review/underwriting

Interpersonal skills

Attention to detail

MS Office proficiency

Communication skills

Education

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

Post Graduation/MBA in Finance domain/ CFA/CA

Tools

Credit lens

nCino

LexisNexis

Experian

Excel

Job description

Credit Analysis/ Annual Review : Senior/Lead Analyst

Report To: Senior Manager

Department: Corporate & Investment Banking

Location: Gurugram

Job Summary

We are looking to hire someone with experience in credit review/appraisal, credit rating, report writing, capital structure, EBITDA, leverage ratio & financial statement analysis for mid-large corporates, Financial Institutions etc.

Key Responsibilities

Analyst/ Senior Analyst/ Lead Anaylst 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.
• Performing PD/LGD spreading on risk rating platforms (Quantitative & Qualitative Parameters)
• Calculating covenants in line with facility agreements and providing detailed rationale for covenant 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.

Required Qualifications

• 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
• Ability to practice attentive and active listening skills
• Challenging current thinking by implementing new ways of working Strong Accounting and financial skills
• Understanding and experience of credit review or underwriting role is Preferable
• Experience on lending platforms or credit search platforms like Credit lens, nCino, Lexis/Nexis, Experian would be preferable
• Eye for details and ability to identify and solve issues effectively on time
• Good MS Office Skills
• Excellent Communication and interpersonal skills
• Ability to ensure that tasks within areas of responsibility are completed in a timely manner
• Ability to practice attentive and active listening skills
• Ability to identify pro-active ways to contribute to firms’ goals & mission
• Challenging current thinking by implementing new ways of working
• Bachelor's/Master’s degree with a major in finance, economics, accounting or from a reputed institute.

Preferred Qualifications

• Post Graduation/ MBA in Finance domain/ CFA/CA
• 3 to 7 years of relevant experience in Commercial Banking domain
• Strong Accounting and financial skills \Good MS Office Skills
• Excellent Communication and interpersonal skills.