Financial Spreading – Center of Excellence

Creating a centre of excellence in financial spreading for clients worldwide


With two decades of experience in delivering credit research and analytics services to 400+ financial institutions globally, Acuity Knowledge Partners has built a strong franchise in financial spreading services.

We are helping clients set up a centre of excellence in financial spreading through our digital services model that combines best-in-class technology and experience of our domain experts. In addition, we ensure we remain within the credit framework of our clients, offering over 99% accuracy and faster turnaround time.

We understand the nuances of different businesses, including Commercial and Industrial, Commercial Real Estate, Leveraged Lending and Asset-based Lending. We are platform-agnostic and work across a range of spreading platforms, including CreditLens, nCino, CROWE, CLOSER, William Stucky and Baker Hill.

Our technology offers efficient financial data extraction using artificial intelligence and machine learning, which is augmented by our domain expertise to address variability in reporting and output quality.

What we have delivered


spreads annually




turnaround time



Customer Testimonials

I have always respected and admired the professionalism and commitment of the spreading team. Their efforts are crucial towards serving our clients and fulfilling our credit monitoring tasks

Vice President, Asset-based Lending Group

Top global bank

I just wanted to thank you for your prompt assistance with repeated requests from our team in the past several weeks, including expedited turnaround this week. Thank you for your professionalism, attention to detail and quick response

Senior Portfolio Manager, CRE Credit Underwriting

US regional bank

We are excited for the CreditLens Go Live this weekend! Please send your team a big ‘Thank You’ for all the work they have done to help in this transition. We want to thank you and your team for your patience and understanding during the onboarding process of new team members. You are all truly wonderful, and we are so blessed to work with such fantastic colleagues

Manager, Financial Statement Spreading, Risk Data Aggregation, Analytics and Reporting

Top Canadian bank

I sat down with the team last week in LA and learned that our experience with your financial statement spreading to date has been excellent. It will be my intention to continue to see how we can do more with you and add to your business

EVP, Head of Commercial Banking

LA-based bank

I have had an excellent experience with the Acuity team. Communication has been great and spreads have been accurate and performed in a timely manner. If questions or issues arise, the team responds on time, and this is much appreciated

Senior Credit Analyst

Top global bank

How we are different

Credit pedigree
Credit pedigree

Market leader in credit analysis support, with best practices developed through 100+ credit client engagements. Experience across loan books and complex lending products

Data/Platform migration
Data/Platform migration

Experienced team that supports data migration from client legacy platforms to new digitised platforms, significantly reducing the client team’s workload

Quality assurance
Quality assurance

SOP-driven approach, with multiple levels of quality checks to ensure over 99% accuracy

Improved turnaround time
Improved turnaround time

24-hour turnaround for prospects/urgent spreads, leading to faster loan approval cycle time

Flexible staffing
Flexible staffing

Flexibility to scale up with trained resources, based on demand dynamics and seasonal factors

Enhanced productivity with advanced technology
Enhanced productivity with advanced technology

Unique set of proprietary workflow, data extraction and automation tools that improve efficiency and productivity

What we have done

Centre of excellence in financial spreading for a top US regional bank
What we are proud of




spreads from Moody’s Risk

Financial spreading and covenant monitoring solutions for a mid-size US bank
What we are proud of


in cost savings


increase in loan volumes managed onshore

Spreading CoE for a top US regional bank
What we are proud of


efficiency, resulting in more volume turned over


financial spreads delivered

Support for Consulting and Corporate Firms
Financial spreading support to a top Canadian bank
What we are proud of

USD 6mn

in cost savings and growing


efficiency, resulting in more volume delivered

Our perspective on Financial Spreading – Center of Excellence
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Meet our experts

Subhrojyoti Mandal

Director, Commercial Lending Services

Subhro has been with Acuity Knowledge Partners for over 8 years. He has 15+ years of extensive experience in credit analysis in the lending, counterparty and credit research domain. Subhro manages transition of new clients encompassing the credit analysis function across different lending lines of business. He has extensive work experience in banking products, process and systems across the lending value chain for global as well as regional corporate and commercial banks. He holds a Master of Commerce degree from Calcutta University.

Subhrojyoti Mandal
Rajul Sood

Senior Director, Commercial Lending Services

Rajul heads the commercial lending practice at Acuity Knowledge Partners and has been with the firm for over 15 years. She is responsible for strategic planning, delivery oversight and management, quality assurance and supporting the innovation and technology initiatives in Lending. Rajul has extensive experience in investment banking analytics and commercial lending research services. Apart from banks, the teams she oversees also have in-depth experience in working across different lending products, processes and systems for Fortune 100 companies, SMEs and real-estate businesses. She holds a Master of Finance and Control, and a Bachelor of Commerce from Delhi University.

Rajul Sood

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