Senior Associate/Delivery Lead-Financial Spreading

Key responsibilities

• Analyzing and spreading the financial statements in Moody's RiskAnalyst (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.

Key competencies

• MBA (Finance) / CA (CPA equivalent) / CFA

• Experience of 4-7 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