Senior Analyst - Credit Analysis/Financial Spreading

Job description

Department: Corporate & Investment Banking Location: Gurgaon Work Model: 5 days WFO Role & responsibilities Senior Analyst will join the Lending Services (Corporate and commercial banking) team at Evalueserve. • Supporting bankers in critical lending/credit processes across end to end lending journey such as follows: • Financials spreading (PL, BS and CF) on excel based model or lending platform along with key credit. • Must have experience in team handling, exposure to periodic MIS, Workflow management • Metrics calculation • Performing PD/LGD spreading on risk rating platforms (Quantitative & Qualitative Parameters) • Calculating covenants in line with facility agreements and providing detailed rationale for covenant • Met/Breach results • Performing Annual/Quarterly or Half yearly reviews small or medium connections: • Business Overview • Financial Analysis (Historical and Forecast) (Operating, Leverage & Liquidity ratios) • Covenant performance • PD/LGD analysis • Verifying/Calculating compliance against bank transaction guidelines (DSC, FCCR, LTV, Interest cover, leverage etc.) or any other sector-based guideline. Preferred candidate profile • Strong Accounting and financial skills • Understanding and experience of credit review or underwriting role is desirable • Experience on lending platforms or credit search platforms like Credit lens, nCino or Lexis would be preferable. • Excellent interpersonal and ability to build strong team culture • Challenging current thinking by implementing new ways of working Strong Accounting and financial skills • Bachelor's/Masters degree with a major in finance, economics, accounting or from a reputed institute with 3-6 years experience in similar profile