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

• Financial Spreading - Associate/ Senior Associate/ Delivery Lead/ Manager, Pune
• Company: Acuity Analytics
• Job Location: Pune, Maharashtra, India
• Employment Type: Full-time
• Experience Required: 2 - 14 years
• Job Title: Financial Spreading (LS) - Associate/ Sr. Associate/ Delivery Lead/ Delivery Manager, Pune

Location: Pune (Work from Office)Work hours: 10am to 7pm ISTDepartment: Lending Services (Banking)Experience Level: 2-14 yearsCandidates who can join on or before 11 Nov 2026 will be preferred due to an immediate business requirement.

• Key Responsibilities
• Analyzing and spreading the financial statements in Moodys Risk Analyst (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
• Responsible for delivering 100% quality, Meeting strict deadlines and ability to work under pressure

Regular communication with the client to ensure the expectations are metSupport with project scoping, client communication, resource staffing based on the requirement, end-to-end workflow management, MIS reporting, etc.

• Key Competencies
• MBA (Finance) / CA (CPA equivalent) / CFA
• Experience of 2-14 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 .