7 Covenant Analysis Jobs

Business Analyst - Financial Spreading Software Responsibilities and Duties Elicit, analyze, and document detailed business requirements for financial spreading software from various stakeholders, including lenders, credit analysts, and underwriters. Translate business needs into functional and non-functional requirements, user stories, use cases, and process flows for the development team6. Collaborate with the development team to ensure the software design and functionality align with the documented requirements. Ensure the software design and functionality adhere to relevant regulations and industry standards in financial spreading and credit risk assessment. Create comprehensive user acceptance testing (UAT) plans and test cases to validate the software against the defined requirements. Participate in UAT sessions, document defects, and work with the development team to resolve issues. Contribute to the development of user manuals, training materials, and online help documentation to support user adoption and understanding of the software. Support the product management team in defining the product roadmap and prioritizing features based on market needs and client feedback. Support the implementation and adoption of the software by users, including providing training and facilitating change management activities. Incorporate feedback from stakeholders, such as product managers and lead developers, to refine and improve the software requirements and design. Required Skills and Experience Proven experience as a Business Analyst in the financial services industry, with a focus on lending and credit risk management. Strong understanding of financial spreading methodologies, including the analysis of financial statements, tax returns, and cash flow projections . Familiarity with credit risk assessment tools and techniques, such as financial ratios, credit scoring models, and stress testing . Experience with data analysis and financial modeling tools, such as Excel, SQL , and statistical software packages. Familiarity with leading financial spreading software solutions and platforms in the market (e.g., Moodys CreditLens, Sageworks, nCino, Baker Hill NextGen) . Strong analytical and problem-solving skills, with the ability to identify and articulate business needs and translate them into software requirements . Proficiency in using requirement management tools and techniques, such as JIRA, Confluence, and Agile methodologies . Educational Qualifications Bachelor’s degree in business administration, Finance, Economics, or a related field. Master’s degree in business administration (MBA) or a related field is preferred . Relevant certifications, such as Certified Business Analysis Professional (CBAP) or Certified associate in project management (CAPM), are a plus . Understanding of Credit Risk Assessment and Mitigation The Business Analyst needs a strong understanding of credit risk assessment and mitigation strategies: Creditworthiness Assessment: Ability to analyze borrower financial statements, including balance sheets, income statements, and cash flow statements . Understanding of key financial ratios and metrics used to assess creditworthiness . Risk Mitigation: Familiarity with various credit risk mitigation techniques, such as loan covenants, collateral requirements, and guarantees . Experience with Data Analysis and Financial Modeling The Business Analyst should have a strong foundation in data analysis and financial modeling: Proficiency in using spreadsheet software, such as Microsoft Excel, for financial analysis and modeling. Experience with database query languages, such as SQL, to extract and analyze data from financial systems .

Financial Spreading Financial Analysis: Conduct in-depth financial analysis of publicly traded companies to assess creditworthiness and financial health. This includes analyzing financial statements, cash flow statements, and income statements. Quantitative Modeling: Collaborate with the quantitative strategies team to develop and maintain quantitative models for credit risk assessment. This includes refining existing models and creating new ones to improve investment decision-making. Scorecard Creation: Design and implement scorecards to evaluate credit risk and identify potential investment opportunities. Continuously update and refine these scorecards to adapt to changing market conditions. Research and Due Diligence: Stay informed about market trends, industry developments, and macroeconomic factors that may impact credit markets. Conduct thorough research and due diligence on potential investments. Portfolio Management: Assist in managing and monitoring credit portfolios, making recommendations for trades and adjustments based on quantitative analysis and risk assessment. Reporting: Generate reports and presentations to communicate findings, investment recommendations, and portfolio performance to internal stakeholders and clients. Master's degree in finance, accounting, or a related field. 3-5 years of relevant experience in credit analysis, financial analysis, or quantitative modeling. Strong understanding of accounting principles and financial statement analysis. Excellent analytical and problem-solving skills. Strong communication and presentation skills. Ability to work collaboratively in a team-oriented environment. Detail-oriented with a commitment to accuracy and data integrity. Covenant Analysis , Ratio analysis , Financial spreading

Credit Monitoring - Commercial Lending Location: Gurugram Summary: We are seeking an experienced Portfolio Manager specializing in Commercial Lending. The ideal candidate will have extensive knowledge of capital markets, private credit, and equity markets, combined with expertise in portfolio management, debt management, and financial modeling. This role focuses on managing commercial loans and corporate debt, monitoring cash flows, and ensuring the financial health of our portfolio. Your Future Employer: Join a leading financial institution known for its innovative approach and commitment to excellence. Be part of a collaborative team that values professional growth and offers opportunities to make significant contributions to the organization's success. Responsibilities: 1. Conduct portfolio analysis to assess performance and risk. 2. Manage corporate debt and commercial loans, ensuring compliance with covenants. 3. Develop financial models to project cash flows and analyze lending opportunities. 4. Monitor portfolio performance and prepare regular reports for senior management. 5. Optimize cash flow positions and develop strategies to mitigate risks. Requirements: 1. Bachelor's degree in Finance, Economics, Business Administration, or a related field. MBA or CFA preferred. 2. Minimum of 5 years of experience in capital markets, commercial lending, or related areas. 3. Proven expertise in portfolio management, debt management, and financial modeling. 4. Strong analytical and quantitative skills, with proficiency in financial software and modeling tools. 5. Excellent communication and presentation skills, with the ability to convey complex financial information to stakeholders. What is in it for you: 1. Opportunity to work with a leading financial institution and impact significant investment decisions. 2. Collaborative and innovative work environment. 3. Competitive salary and comprehensive benefits package. 4. Professional development and growth opportunities. Reach us: If you think this role is aligned with your career, kindly write me an email along with your updated CV on radhika.agrawal@crescendogroup.in for a confidential discussion on the role. Disclaimer: Crescendo Global is specializes in Senior to C-level niche recruitment. We are passionate about empowering job seekers and employers with an engaging memorable job search and leadership hiring experience. Crescendo Global does not discriminate on the basis of race, religion, color, origin, gender, sexual orientation, age, marital status, veteran status or disability status. Note: We receive a lot of applications on a daily basis so it becomes a bit difficult for us to get back to each candidate. Please assume that your profile has not been shortlisted in case you don't hear back from us in 1 week. Your patience is highly appreciated. Keywords- portfolio management, debt management, financial modeling, commercial loans, corporate debt, monitoring cash flows, Crescendo, Crescendo Global

Credit Monitoring - Commercial Lending Location: Gurugram Summary: We are seeking an experienced Portfolio Manager specializing in Commercial Lending. The ideal candidate will have extensive knowledge of capital markets, private credit, and equity markets, combined with expertise in portfolio management, debt management, and financial modeling. This role focuses on managing commercial loans and corporate debt, monitoring cash flows, and ensuring the financial health of our portfolio. Your Future Employer: Join a leading financial institution known for its innovative approach and commitment to excellence. Be part of a collaborative team that values professional growth and offers opportunities to make significant contributions to the organization's success. Responsibilities: 1. Conduct portfolio analysis to assess performance and risk. 2. Manage corporate debt and commercial loans, ensuring compliance with covenants. 3. Develop financial models to project cash flows and analyze lending opportunities. 4. Monitor portfolio performance and prepare regular reports for senior management. 5. Optimize cash flow positions and develop strategies to mitigate risks. Requirements: 1. Bachelor's degree in Finance, Economics, Business Administration, or a related field. MBA or CFA preferred. 2. Minimum of 5 years of experience in capital markets, commercial lending, or related areas. 3. Proven expertise in portfolio management, debt management, and financial modeling. 4. Strong analytical and quantitative skills, with proficiency in financial software and modeling tools. 5. Excellent communication and presentation skills, with the ability to convey complex financial information to stakeholders. What is in it for you: 1. Opportunity to work with a leading financial institution and impact significant investment decisions. 2. Collaborative and innovative work environment. 3. Competitive salary and comprehensive benefits package. 4. Professional development and growth opportunities. Reach us: If you think this role is aligned with your career, kindly write me an email along with your updated CV on radhika.agrawal@crescendogroup.in for a confidential discussion on the role. Disclaimer: Crescendo Global is specializes in Senior to C-level niche recruitment. We are passionate about empowering job seekers and employers with an engaging memorable job search and leadership hiring experience. Crescendo Global does not discriminate on the basis of race, religion, color, origin, gender, sexual orientation, age, marital status, veteran status or disability status. Note: We receive a lot of applications on a daily basis so it becomes a bit difficult for us to get back to each candidate. Please assume that your profile has not been shortlisted in case you don't hear back from us in 1 week. Your patience is highly appreciated. Keywords- portfolio management, debt management, financial modeling, commercial loans, corporate debt, monitoring cash flows, Crescendo, Crescendo Global

Credit Monitoring - Evening Shift - 3+ years Location: Gurgaon Summary This role offers an exciting opportunity to work in the leveraged finance space, supporting complex transactions and managing end-to-end loan operations during US business hours. You will work closely with legal documentation, financial models, and covenant tracking processes, while also playing a key role in mentoring junior team members and driving process improvements. Your Future Employer A global financial services firm recognized for its robust credit and asset management capabilities. The organization offers excellent opportunities for learning, collaboration, and growth within a performance-driven culture. Responsibilities Review legal documents including credit agreements, term sheets, note purchase agreements, and investment memos to extract and interpret financial and covenant data Build and update risk and borrowing base models, conduct stress testing, and assess headroom across key risk metrics Monitor transaction-level covenants, triggers, and performance indicators to ensure compliance and identify early warning signs Manage day-to-day loan operations such as drawdowns, rollovers, repayments, and rate resets for syndicated and bilateral facilities Collaborate with internal teams to validate report outputs, streamline workflows, and mentor junior team members for performance improvement Requirements 3 to 7 years of experience in leveraged finance, credit analysis, or loan servicing with a focus on financial operations Strong understanding of corporate credit, leveraged loan structures, and financial documentation Proficiency in financial modeling using Excel and ability to perform scenario and sensitivity analysis Prior experience with investment banks, asset managers, or financial advisory firms is preferred Excellent communication skills, attention to detail, and ability to thrive in a fast-paced, night-shift environment What is in it for you Opportunity to work with a high-impact global team managing complex credit transactions Exposure to end-to-end leveraged finance and asset management operations Competitive compensation and night shift allowance Strong learning curve and career progression in a specialized domain Reach us If you feel this opportunity is well aligned with your career progression plans, please feel free to reach out to me with your updated profile at radhika.agrawal@crescendogroup.in Disclaimer Crescendo Global is specializes in Senior to C-level niche recruitment. We are passionate about empowering job seekers and employers with an engaging memorable job search and leadership hiring experience. Crescendo Global does not discriminate on the basis of race, religion, color, origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Note We receive a lot of applications on a daily basis, so it becomes a bit difficult for us to get back to each candidate. Please assume that your profile has not been shortlisted in case you don't hear back from us in 1 week. Your patience is highly appreciated. Scammers can misuse Crescendo Global’s name for fake job offers. We never ask for money, purchases, or system upgrades. Verify all opportunities at www.crescendo-global.com and report fraud immediately. Stay alert! Keywords Leverage Facility, Loan Operations, Credit Analysis, Financial Modeling, Risk Monitoring, Covenant Tracking, Night Shift, Loan IQ, Syndicated Loans, Asset Management, Gurgaon Jobs

Job Description- The primary responsibility would involve working closely with clients in understanding their requirement for investment deals in structured finance space. The individual would assist in managing the project and coordinating with IT to onboard/setup the transaction on our proprietary platform and ongoing monitoring. The individual would be involved in researching across various financials and legal agreements and also in monitoring and reporting key metrics of various investment. Key Responsibilities- Onboarding the clients investment portfolio by reviewing and interpreting legal agreements, understanding the servicer or trustees' reporting Work closely with the clients in supporting them for risk and exposure monitoring of the transactions Calculating and monitoring covenants, concentration limits, eligibility criteria, concentration tests and Borrowing Base calculations and other key metrics/tests Build financial models/reports as per clients requirements and analyze historical performance to identify the key drivers, to assess the performance Liaise with the Business Analyst and Implementation team to ensure that the data and logic on our proprietary platforms are accurate Provide enhanced surveillance to the clients on their portfolios and share critical aspects concerning overall performance proactively Required Experience/ Skill Set- Broad understanding of the Structured Finance products/ corporate credit landscape/ABL/CLO/Middle Market Portfolio Financing In-depth understanding of core financial and accounting concepts Proficiency in financial modelling using MS Excel Ability to work independently and collaboratively as part of a team in a fast-paced environment Strong communication skills - written, verbal and interpersonal Ability to work well under pressure to meet strict and aggressive deadlines

Leverage Facility Management Night Shift 3+ years Location: Gurgaon Summary This role offers an exciting opportunity to work in the leveraged finance space, supporting complex transactions and managing end-to-end loan operations during US business hours. You will work closely with legal documentation, financial models, and covenant tracking processes, while also playing a key role in mentoring junior team members and driving process improvements. Your Future Employer A global financial services firm recognized for its robust credit and asset management capabilities. The organization offers excellent opportunities for learning, collaboration, and growth within a performance-driven culture. Responsibilities Review legal documents including credit agreements, term sheets, note purchase agreements, and investment memos to extract and interpret financial and covenant data Build and update risk and borrowing base models, conduct stress testing, and assess headroom across key risk metrics Monitor transaction-level covenants, triggers, and performance indicators to ensure compliance and identify early warning signs Manage day-to-day loan operations such as drawdowns, rollovers, repayments, and rate resets for syndicated and bilateral facilities Collaborate with internal teams to validate report outputs, streamline workflows, and mentor junior team members for performance improvement Requirements 3 to 7 years of experience in leveraged finance, credit analysis, or loan servicing with a focus on financial operations Strong understanding of corporate credit, leveraged loan structures, and financial documentation Proficiency in financial modeling using Excel and ability to perform scenario and sensitivity analysis Prior experience with investment banks, asset managers, or financial advisory firms is preferred Excellent communication skills, attention to detail, and ability to thrive in a fast-paced, night-shift environment What is in it for you Opportunity to work with a high-impact global team managing complex credit transactions Exposure to end-to-end leveraged finance and asset management operations Competitive compensation and night shift allowance Strong learning curve and career progression in a specialized domain Reach us If you feel this opportunity is well aligned with your career progression plans, please feel free to reach out to me with your updated profile at radhika.agrawal@crescendogroup.in Disclaimer – Crescendo Global is specializes in Senior to C-level niche recruitment. We are passionate about empowering job seekers and employers with an engaging memorable job search and leadership hiring experience. Crescendo Global does not discriminate on the basis of race, religion, color, origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Note – We receive a lot of applications on a daily basis, so it becomes a bit difficult for us to get back to each candidate. Please assume that your profile has not been shortlisted in case you don't hear back from us in 1 week. Your patience is highly appreciated. Scammers can misuse Crescendo Global’s name for fake job offers. We never ask for money, purchases, or system upgrades. Verify all opportunities at www.crescendo-global.com and report fraud immediately. Stay alert! Keywords Leverage Facility, Loan Operations, Credit Analysis, Financial Modeling, Risk Monitoring, Covenant Tracking, Night Shift, Loan IQ, Syndicated Loans, Asset Management, Gurgaon Jobs