Senior Analyst || Financial Spreading & Covenant

Job description

Key Responsibilities • Financials spreading (PL, BS and CF) on excel based model or lending platform along with key credit 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 Required Qualifications • 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, Lexis/Nexis, Experian would be preferable Excellent interpersonal and ability to build strong team culture • Ability to ensure that tasks of team members are completed in a timely manner Ability to practice attentive and active listening skills • Challenging current thinking by implementing new ways of working Strong • Accounting and financial skills Understanding and experience of credit review or underwriting role is Preferable • Experience on lending platforms or credit search platforms like Credit lens, nCino, Lexis/Nexis, Experian would be preferable • Eye for details and ability to identify and solve issues effectively on time Good MS Office Skills Excellent Communication and interpersonal skills • Ability to ensure that tasks within areas of responsibility are completed in a timely manner • Ability to practice attentive and active listening skills Ability to identify pro-active ways to contribute to firms goals & mission • Challenging current thinking by implementing new ways of working Bachelor's/Master’s degree with a major in finance, economics, accounting or from a reputed institute with 2+ years’ experience in the similar profile