Job Title Credit Analyst - Financial Spreading Location Chennai - Sholinganallur Work Mode Full-Time Office 5 Days a Week Notice Period Immediate Joiner Preferred We are seeking a detail-oriented Credit Analyst with strong financial spreading skills The ideal candidate will be able to read interpret and analyze financial statements of both public and private companies perform adjustments and provide insights for credit appraisal Key Responsibilities Spread financial statements Income Statement Balance Sheet Cash Flow using the bank s customized templates Analyze supplementary schedules notes and MD A for detailed breakups and necessary adjustments Apply accounting principles under GAAP IFRS Compute and interpret financial ratios Monitor covenant compliance and ongoing financial reporting Understand how information flows between different statements and ensure consistency Communicate findings clearly with stakeholders Required Skills Qualifications Proficient in English written and verbal with robust communication and interpersonal skills Solid foundation in accounting and corporate financial systems Expertise in GAAP IFRS is essential Good understanding of financial ratios knowledge of Moody s Risk Analytics is a plus Strong analytical mindset attention to detail ability to work independently and under supervision .
