01Key Responsibilities
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Analyzing and spreading the financial statements in Moodys RiskAnalyst (MRA) / Creditlens / client customized templatesAnalysis of financial statements including Income statement, Balance Sheet & cash flow of public & private companies for the credit appraisal processGoing through the supplementary schedules, notes and MD&A for the detailed breakups and adjustmentsNormalizing the financial statement for exceptional and non-recurring items to arrive at the true profitability figuresCalculating the Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, Custom Ratios and other financial metricsScreening the credit agreements and analyzing the financial covenants applicable to the borrowerMonitor Covenant compliance and reporting.Conduct detailed quality checks of client deliverablesManaging capacity, efficiency and accuracy of the processThe 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) / CFAExperience of 3-12 years in spreading and covenant monitoring (5 days work from office)Strong understanding of credit principles, policies, and regulationsProficient in Advanced MS ExcelExcellent written and spoken communication skillsExperience of working for a US based bank will be an added advantage .
