Financial Spreading - Associate/ Senior Associate/ Delivery Lead/ Manager, Pune

<p class="MsoNormal"><span style="font-family:Roboto, '-apple-system', BlinkMacSystemFont, 'Segoe UI', Arial, sans-serif;font-weight:bolder;"><u><span style="font-size:14px;font-family:Calibri;"><font color="#000000">Job Title: </font></span></u></span><font color="#000000" face="Calibri"><span style="font-size:14px;font-family:Calibri;"><b><u>Financial Spreading (LS) - Associate/ Sr. Associate/ Delivery Lead/ Delivery Manager, Pune</u></b></span></font></p><ul style="font-family:Roboto, '-apple-system', BlinkMacSystemFont, 'Segoe UI', Arial, sans-serif;"><li><font color="#000000"><span style="font-weight:bolder;"><span style="font-size:14px;font-family:Calibri;">Location:</span></span><span style="font-size:14px;font-family:Calibri;"> Pune (Work from Office)</span></font></li><li><font color="#000000"><span style="font-weight:bolder;"><span style="font-size:14px;font-family:Calibri;">Work hours: </span></span><span style="font-size:14px;font-family:Calibri;">10am to 7pm IST</span></font></li><li><font color="#000000"><span style="font-weight:bolder;"><span style="font-size:14px;font-family:Calibri;">Department:</span></span><span style="font-size:14px;font-family:Calibri;"> Lending Services (Banking)</span></font></li><li><font color="#000000"><span style="font-weight:bolder;"><span style="font-size:14px;font-family:Calibri;">Experience Level</span></span><span style="font-size:14px;font-family:Calibri;">: 2-14 years</span></font></li><li><span style="color:rgb(0,0,0);font-family:Calibri;">Candidates who can join on or before 11 Nov 2026 will be preferred due to an immediate business requirement.</span></li></ul><p class="MsoNormal"><span style="font-weight:bold;color:rgb(1,12,31);font-family:Calibri;white-space:pre-wrap;font-size:14px;">Key Responsibilities </span></p><ul class="public-DraftStyleDefault-ul" style="list-style-type:none;font-family:Manrope, sans-serif;margin:0px;padding:0px;color:rgb(1,12,31);white-space:pre-wrap;"><li class="public-DraftStyleDefault-unorderedListItem public-DraftStyleDefault-reset public-DraftStyleDefault-depth0 public-DraftStyleDefault-listLTR" style="margin-left:1.5em;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr"><span style="font-family:Calibri;font-size:14px;">Analyzing and spreading the financial statements in Moodys Risk Analyst (MRA) / Creditlens / client customized templates </span></div></li><li class="public-DraftStyleDefault-unorderedListItem public-DraftStyleDefault-depth0 public-DraftStyleDefault-listLTR" style="margin-left:1.5em;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr"><span style="font-family:Calibri;font-size:14px;">Analysis of financial statements including Income statement, Balance Sheet & cash flow of public & private companies for the credit appraisal process </span></div></li><li class="public-DraftStyleDefault-unorderedListItem public-DraftStyleDefault-depth0 public-DraftStyleDefault-listLTR" style="margin-left:1.5em;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr"><span style="font-family:Calibri;font-size:14px;">Going through the supplementary schedules, notes and MD&A for the detailed breakups and adjustments </span></div></li><li class="public-DraftStyleDefault-unorderedListItem public-DraftStyleDefault-depth0 public-DraftStyleDefault-listLTR" style="margin-left:1.5em;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr"><span style="font-family:Calibri;font-size:14px;">Normalizing the financial statement for exceptional and non-recurring items to arrive at the true profitability figures </span></div></li><li class="public-DraftStyleDefault-unorderedListItem public-DraftStyleDefault-depth0 public-DraftStyleDefault-listLTR" style="margin-left:1.5em;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr"><span style="font-family:Calibri;font-size:14px;">Calculating the Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, Custom Ratios and other financial metrics </span></div></li><li class="public-DraftStyleDefault-unorderedListItem public-DraftStyleDefault-depth0 public-DraftStyleDefault-listLTR" style="margin-left:1.5em;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr"><span style="font-family:Calibri;font-size:14px;">Screening the credit agreements and analyzing the financial covenants applicable to the borrower </span></div></li><li class="public-DraftStyleDefault-unorderedListItem public-DraftStyleDefault-depth0 public-DraftStyleDefault-listLTR" style="margin-left:1.5em;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr"><span style="font-family:Calibri;font-size:14px;">Monitor Covenant compliance and reporting. </span></div></li><li class="public-DraftStyleDefault-unorderedListItem public-DraftStyleDefault-depth0 public-DraftStyleDefault-listLTR" style="margin-left:1.5em;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr"><span style="font-family:Calibri;font-size:14px;">Conduct detailed quality checks of client deliverables </span></div></li><li class="public-DraftStyleDefault-unorderedListItem public-DraftStyleDefault-depth0 public-DraftStyleDefault-listLTR" style="margin-left:1.5em;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr"><span style="font-family:Calibri;font-size:14px;">Managing capacity, efficiency and accuracy of the process </span></div></li><li class="public-DraftStyleDefault-unorderedListItem public-DraftStyleDefault-depth0 public-DraftStyleDefault-listLTR" style="margin-left:1.5em;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr"><span style="font-family:Calibri;font-size:14px;">The candidate should possess reasonable knowledge of the banking processes related to commercial lending, especially corporate loans</span></div></li><li class="public-DraftStyleDefault-unorderedListItem public-DraftStyleDefault-depth0 public-DraftStyleDefault-listLTR" style="margin-left:1.5em;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr"><span style="font-family:Calibri;font-size:14px;">Responsible for delivering 100% quality, Meeting strict deadlines and ability to work under pressure</span></div></li><li class="public-DraftStyleDefault-unorderedListItem public-DraftStyleDefault-depth0 public-DraftStyleDefault-listLTR" style="margin-left:1.5em;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr"><span style="font-family:Calibri;font-size:14px;">Regular communication with the client to ensure the expectations are met</span></div></li><li class="public-DraftStyleDefault-unorderedListItem public-DraftStyleDefault-depth0 public-DraftStyleDefault-listLTR" style="margin-left:1.5em;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr"><span style="font-family:Calibri;font-size:14px;">Support with project scoping, client communication, resource staffing based on the requirement, end-to-end workflow management, MIS reporting, etc. </span></div></li></ul><div style="font-family:Manrope, sans-serif;color:rgb(1,12,31);white-space:pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr"><span><br /></span></div></div><div style="font-family:Manrope, sans-serif;color:rgb(1,12,31);white-space:pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr"><span style="font-weight:bold;text-decoration:underline;"><span style="font-family:Calibri;font-size:14px;">Key Competencies </span></span></div></div><div style="font-family:Manrope, sans-serif;color:rgb(1,12,31);white-space:pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr"><span><br /></span></div></div><ul class="public-DraftStyleDefault-ul" style="list-style-type:none;font-family:Manrope, sans-serif;margin:0px;padding:0px;color:rgb(1,12,31);white-space:pre-wrap;"><li class="public-DraftStyleDefault-unorderedListItem public-DraftStyleDefault-reset public-DraftStyleDefault-depth0 public-DraftStyleDefault-listLTR" style="margin-left:1.5em;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr"><span style="font-family:Calibri;font-size:14px;">MBA (Finance) / CA (CPA equivalent) / CFA</span></div></li><li class="public-DraftStyleDefault-unorderedListItem public-DraftStyleDefault-depth0 public-DraftStyleDefault-listLTR" style="margin-left:1.5em;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr"><span style="font-family:Calibri;font-size:14px;">Experience of 2-14 years in spreading and covenant monitoring</span></div></li><li class="public-DraftStyleDefault-unorderedListItem public-DraftStyleDefault-depth0 public-DraftStyleDefault-listLTR" style="margin-left:1.5em;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr"><span style="font-family:Calibri;font-size:14px;">Strong understanding of credit principles, policies, and regulations</span></div></li><li class="public-DraftStyleDefault-unorderedListItem public-DraftStyleDefault-depth0 public-DraftStyleDefault-listLTR" style="margin-left:1.5em;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr"><span style="font-family:Calibri;font-size:14px;">Proficient in Advanced MS Excel</span></div></li><li class="public-DraftStyleDefault-unorderedListItem public-DraftStyleDefault-depth0 public-DraftStyleDefault-listLTR" style="margin-left:1.5em;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr"><span style="font-family:Calibri;font-size:14px;">Excellent written and spoken communication skills</span></div></li><li class="public-DraftStyleDefault-unorderedListItem public-DraftStyleDefault-depth0 public-DraftStyleDefault-listLTR" style="margin-left:1.5em;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr"><span style="font-family:Calibri;font-size:14px;">Experience of working for a US based bank will be an added advantage </span></div></li></ul>