Education/ Experience and Skill Requirement

• MBA (Finance) / B.com (Hons)

• Experience of 1-8 years financial statement spreading

• Experience on Moody’s Risk Analyst application is preferred

• Excellent written and spoken communication skills

• Experience of working for a US based bank will be an added advantage

Responsibilities

• 1-8 years of experience in analysis of financial statements including Income Statement, Balance Sheet and Cash Flow Statement of public and private companies for the credit appraisal process in excel / Moody’s Risk Analyst (MRA) / similar platforms.

• Going through the supplementary schedules, notes and MD&A for the detailed breakups and adjustments

• Normalizing the financial statements 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

• Covenant monitoring and borrowing base monitoring with strong knowledge of credit appraisal and commercial loan portfolio monitoring process.

• Responsible for delivering 100% quality

• Financial spreading of varied categories of borrowers such as medium corporates, partnership firms, HNIs. Knowledge of MRA.

• Responsible for providing end-to-end credit risk analytical support to client, managing client communication, feedback, etc.

• Author in-depth quarterly and annual reviews of clients in the US market including financial analysis, credit risk evaluation, and risk rating assignment.