25 Financial Spreading Jobs

The role of Senior Associate/Team Lead/Assistant Manager Credit Analyst (Financial Spreading) based in Bangalore requires a candidate with a minimum of 2 years of experience in credit analysis, financial spreading, and familiarity with Moody's Credit Lens. The primary responsibilities include analyzing and spreading financial statements using Moody's Risk Analyst (MRA), Credit Lens, or client-specific templates. This involves evaluating income statements, balance sheets, and cash flows of both public and private companies to facilitate the credit appraisal process. Furthermore, the candidate will be responsible for calculating various financial metrics such as Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, and Custom Ratios. They will also be tasked with screening credit agreements, analyzing financial covenants applicable to borrowers, monitoring covenant compliance, and preparing relevant reports. The ideal candidate should be willing to work flexible shifts and possess key skills such as credit analysis, credit risk assessment, financial spreading, and proficiency in Moody's Lens. The educational requirement for this role is an MBA in Finance. The employment type is full-time and permanent within the ITES/BPO/KPO industry, specifically in the ITES/BPO/Customer Service functional area. If you meet the specified criteria and are interested in the role of Senior Associate/Team Lead/Assistant Manager Credit Analyst (Financial Spreading) in Bangalore, we encourage you to apply for this position.,

Role & responsibilities Job Description - Commercial Banking portfolio management. Experience - 3 year to 8years . Looking for candidates who can join in 1 month Please share your cv at surbhi.malhotra@nlbtech.com -Evaluate financial performance of companies /borrower / guarantor / commercial real estate asset class based on a variety of factors including past and current performance, management projections and market changes over the period. -This would include review of various financial statements, such as balance sheet, income statement, cash flows, and statement of changes in equity. - Perform market research using various third-party applications and compare performance of borrowing entity against market data to draw conclusion of overall performance. - Determine appropriate risk rating, both qualitative and quantitative based on performance during the review time period and compare it against bank's credit guidelines. - Document and synthesize findings based on above mentioned reviews into a credit report which would be for presented to lending officers and / or approval committees. - Quality check of work performed by junior team members and provide appropriate feedback on the same. - Training & mentoring junior colleagues along with reviewing, checking & overseeing and undertaking workload planning as well. - Understand the feedback received from the onshore team members and disseminate the same to the team. - MBA (Finance /Banking), Cost and Management Accountancy, Chartered Accountancy or post- graduation in Economics. -overall commercial credit experience across diversified asset class (includes corporate entities and real estate asset class). - Good knowledge on financial statements for various industries with ability to ascertain trends, ratios and call out key risks when compared to benchmarks (historical and industry performance). -Knowledge of credit products like BLOC, Revolving credit facility, Auto Floor Plan line of credit, commercial mortgage, term facilities, subordinated notes etc. - Working experience on credit lens, LoanIQ, Salesforce - nCino, scorecard models etc. Please share your profile at surbhi.malhotra@nlbtech.com

The Senior Associate/Team Lead/Assistant Manager Credit Analyst (Financial Spreading) position in Bangalore requires a candidate with at least 2 years of experience in credit analysis, financial spreading, and Moody Credit lens. The responsibilities include analyzing and spreading financial statements using Moody's Risk Analyst (MRA), Credit lens, or client-specific templates. This involves examining income statements, balance sheets, and cash flows of both public and private companies for credit appraisal purposes. Additionally, tasks include calculating Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, Custom Ratios, and other financial metrics. The role also involves screening credit agreements, analyzing financial covenants for borrowers, monitoring covenant compliance, and reporting. The candidate must be willing to work flexible shifts. Requirements: - 2+ years of experience in credit analysis, financial spreading, and Moody Credit lens - Ability to analyze financial statements and calculate various financial metrics - Familiarity with credit agreements and financial covenants - Flexibility to work in shifts Skills Required: - Credit Analysis - Credit Risk - Financial Spreading - Moody's Lens Industry: ITES/BPO/KPO Functional Area: ITES/BPO/Customer Service Education: MBA Finance Employment Type: Full Time, Permanent Job Code: GO/JC/517/2025 Recruiter Name: Supraja,

Job Description A Commercial Real Estate (CRE) Underwriter plays a crucial role by underwriting at an advanced level of complexity for commercial portfolios. Provide guidance to structuring, servicing, and analysis for both new and renewal credits. The underwriter identifies, gathers, and reviews financial information to determine borrower risk ratings and appropriate loan structuring. Assess and communicate risks to assist department risk mitigation strategies. Products include lines of credit, term loans, real estate loans, and syndicated loans. Key Responsibilities Underwriting: Underwrites commercial credit actions according to applicable regulations, procedures, and guidelines Reviews financial statements, communicates with clients or prospects, and performs analysis to recommend borrower risk ratings and appropriate loan structuring Ensures all involved parties are updated on underwriting progress and outcome Analysis: Conduct thorough due diligence, including reviewing financial statements, property appraisals, rent rolls, and market studies Utilize various financial models and software to assess cash flow, debt service coverage ratios, loan-to-value ratios, and other key financial metrics Conduct cash flow analysis, sensitivity testing, and calculate DSCR/LTV/Debt Yield Sources, compiles, and interprets financial data to support structuring and approval of loans Reviews industry information and comparisons, key risks and mitigants, and collateral to form a general business overview of the borrower Utilizes results of analysis to underwrite commercial loans Valuation: Well versed in real estate valuation methods like Gross rent multiplier (GRM), Value per door and Cost per rentable square foot Risk Management: Evaluate borrower financials, guarantor liquidity, lease terms, and market conditions using third-party reports (appraisals, environmental assessments) Identifies risks through reviews, analysis, and research of new and existing commercial credit requests and relationships Works closely with Bank associates and partners to resolve risk issues, communicating review schedule and potential changes in the commercial portfolio Assists in coordinating review and renewal schedules for existing credits, facilitating ongoing risk identification and management Documentation and Compliance : Analyse loan agreements, covenants, and securitization documents for CMBS deals to ensure compliance. Prepare detailed credit memos and underwriting reports that summarize findings and provide recommendations for credit approval or denial. Ensure compliance with internal policies, regulatory guidelines, and industry standards throughout the underwriting process. Collaborate with legal and compliance teams to ensure all required documentation is complete, accurate, and properly filed. Client Interaction and Relationship Management: Work closely with loan officers, brokers, and clients to gather necessary information and clarify concerns during the underwriting process. Provide exceptional customer service by maintaining clear and effective communication with all stakeholders. Build and maintain strong relationships with clients, industry professionals, and internal teams to facilitate smooth transactions Qualification: Bachelor/master's degree in commerce, Finance & Accounting Minimum 2 to 4 years of relevant experience in CRE underwriting Willing to work in night shifts willing to work from office Interested candidate please share the profiles to priyadarshini.narayanan@cognizant.com

The Lead Analyst SME (Subject Matter Expert) will have the opportunity to collaborate directly with stakeholders in New York to primarily engage in day-to-day originations/underwriting related tasks for Insurance funds. You will assist in the production of Screening Memos for the Origination Team. This involves detailing property level information, market information, and financing information as part of the loan origination process. The goal is to participate in the production of screening memos and potentially in the underwriting and approval process for deals financed by the company. Your focus will be on asset classes such as multifamily, retail, storage, industrial, etc. You will support various workflows including Agency Pre-screening and ICM, Non-Agency/Deal Pre-screening and ICM, Loan Portfolio Stratification and ICM, and onboarding deals on an AI-based platform. As you progress, you will be responsible for tasks such as extracting market and asset-specific statistics, comparing key deal metrics, analyzing property pictures and maps, preparing financial presentations, collecting market data, studying demographics, creating investment memorandums, conducting due diligence, and data input in pipeline tools. Essential Skills & Experience: - Good knowledge of the US Real Estate Industry and Market - Experience in underwriting CML/CRE loans across sectors - Knowledge of Multifamily agency loans (Freddie & Fannie) - Awareness of US taxes, rent/sales comparables, and loan terminologies - Understanding of Cap Rate, LTC, LTV, Spreads, Cap Stack, and other financial concepts - Proficiency in MS Excel for financial modeling - Master's degree in Finance or Banking, CFA designation is a plus - Exceptional quantitative aptitude and Microsoft Office skills - Ability to manage multiple priorities in a fast-paced environment - Previous background in real estate lending, preferably in Debt Underwriting - Analytical mindset with attention to detail and accuracy - Effective communication, interpersonal, teamwork, and problem-solving skills - Initiative, energy, and confidence in completing assignments with limited supervision.,

Role & responsibilities Job Description - Commercial Banking portfolio management. Experience - 3 year to 8years . Please share your cv at surbhi.malhotra@nlbtech.com -Evaluate financial performance of companies /borrower / guarantor / commercial real estate asset class based on a variety of factors including past and current performance, management projections and market changes over the period. -This would include review of various financial statements, such as balance sheet, income statement, cash flows, and statement of changes in equity. - Perform market research using various third-party applications and compare performance of borrowing entity against market data to draw conclusion of overall performance. - Determine appropriate risk rating, both qualitative and quantitative based on performance during the review time period and compare it against bank's credit guidelines. - Document and synthesize findings based on above mentioned reviews into a credit report which would be for presented to lending officers and / or approval committees. - Quality check of work performed by junior team members and provide appropriate feedback on the same. - Training & mentoring junior colleagues along with reviewing, checking & overseeing and undertaking workload planning as well. - Understand the feedback received from the onshore team members and disseminate the same to the team. - MBA (Finance /Banking), Cost and Management Accountancy, Chartered Accountancy or post- graduation in Economics. -overall commercial credit experience across diversified asset class (includes corporate entities and real estate asset class). - Good knowledge on financial statements for various industries with ability to ascertain trends, ratios and call out key risks when compared to benchmarks (historical and industry performance). -Knowledge of credit products like BLOC, Revolving credit facility, Auto Floor Plan line of credit, commercial mortgage, term facilities, subordinated notes etc. - Working experience on credit lens, LoanIQ, Salesforce - nCino, scorecard models etc. Please share your profile at surbhi.malhotra@nlbtech.com

As a Team Lead in credit risk assessment for a US bank, you will be responsible for leading a team of 4-6 analysts specializing in the evaluation of (i) Commercial Real Estate (CRE) loans and (ii) Commercial and Industrial (C&I) loans. Your primary focus will be on CRE expertise, with C&I knowledge considered an additional asset. Your role will involve overseeing the analysis and reports prepared by analysts, as well as engaging with clients regularly to discuss analytical aspects of the work and project pipeline. Key responsibilities include conducting research and assessment of the credit strength of CRE and C&I entities. For candidates with CRE experience, your background should include tasks such as sourcing updated operating statements, rent rolls, and valuation reports. Proficiency in financial spreading tools like Sageworks, conducting CRE cash flow analysis, and preparing detailed credit reports is essential. Familiarity with tools such as CBRE, CoStar, RCA, REIS, Moodys CMM, as well as knowledge of Intex and Bloomberg, will be advantageous. For those with C&I experience, in addition to the above requirements, responsibilities will include spreading financials (Audit, Business Tax Returns, Personal Tax Returns, etc.) using tools like Sageworks and CreditLens. You will also analyze and calculate qualifying income from various tax documents like 1040s, Schedule E, 1065, 1120, 1120S, K1, and transcripts. Understanding tools like nCino, Salesforce, RMA reports, as well as knowledge of Intex and Bloomberg, will be beneficial. Furthermore, you will support franchise building activities by contributing to the writing of blogs and articles. Education and Experience: - Minimum Educational Qualification: CA/ MBA/ CFA/ FRM - Minimum Experience Required: 7+ years of work experience, with a preference for candidates with relevant expertise in CRE and C&I credit risk assessment.,

About this role: The Business Services team across locations provides processing and voice supportand to enable afollow-the-sun delivery model forWells Fargothat would help us service our customers faster.Business Services teams perform bank operation processes across divisions of WF Home Lending, Wholesale Ops, Wealth & Investment Management (WIM), PVSI & Community banking. In this role, you will: 8- 14 years of experience in one or a combination of the following: Service accounts of traditional asset-based lending, specialized senior secured financing, Accounts receivable financing and purchase order financing to companies; manage team of analyst and senior analyst who complete spreading of financial statements in theapplication Manage team of 10-20 members in commercial lending domain which includes processes around financial spreading, credit research, preparation of credit write ups, collateral valuation, credit limit recommendation, and assessment of security position etc. Perform quality checks of the work completed by junior team members across all the processes Manage dual responsibilities; 50% as an Individual contributor and 50% manage delivery Able to manage junior as well as senior team members and able to handle conflicts Manage and ensure smooth delivery of daily operations as per SLA Experience in performance and career management of the team members Process improvement and redesign - proactively identify, analyze and improve existing processes / process reengineering. Able to manage projects independently Responsible for managing transition of processes from on shore to offshore Facilitates communication to resolve problems and advance strategies. Connect with LOB partners on conference calls/understand updates etc. Lead or champion efforts to increase productivity and goal accomplishment. Act as a coach or mentor to facilitate learning from experience. Responsible for management reporting Required Qualifications: Chartered accountants/MBA Finance (mandatory) and Bachelor's Degree (Commerce mandatory),equivalent Most recent experience must include min 5 - 6 years of direct team leading experience in commercial lending domain which includes financial spreading and financial analysis teams Should have experience in spreading of Corporate's Financial Statements in client application Should have an experience in assessing credit worthiness of the corporate borrowers based on qualitative and quantitative factors Strong knowledge on GAAP Accounting / International Financial Reporting Standards Sound knowledge of ratio analysis, cash flow, and trend analysis

Role & responsibilities : Job Role : CRSS- Financial Spreading & Moody Credit lens Job Location : Bangalore Experience: 3-7yrs(Doers & TL on papers) Shifts: Should be flexible to work in uk/us shifts. Qualification:-MBA Finance/CA/ CFA Notice: Immediate-45 days Job Requirements: Analyzing and spreading the financial statements in Moody's Risk Analyst (MRA) / Credit lens / client customized templates. Analysis of financial statements including Income statement, Balance Sheet & cash flow of public & private companies for the credit appraisal process. Calculating the Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, Custom Ratios and other financial metrics. Screening the credit agreements and analyzing the financial covenants applicable to the borrower Monitor Covenant compliance and reporting. Regards Ishwarya.p

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

Summary: We are seeking a skilled and experienced Manager to join our growing Portfolio Management Group. The primary responsibility of this role is to work closely with clients to monitor the performance of financing transactions across various asset classes in structured finance, covering different geographies. The ideal candidate will possess strong technical skills and a holistic understanding of the commercial lending domain. Your Future Employer: A leading financial services firm known for its expertise in structured finance and investment banking. The company provides a dynamic and growth-oriented environment for professionals looking to advance their careers. Responsibilities: Collaborate with clients to monitor investment transactions across multiple asset classes. Demonstrate a solid understanding of commercial lending processes, particularly corporate loans. Manage the financial spreading and covenant monitoring processes, ensuring accuracy and compliance. Supervise and lead a team of financial analysts. Conduct financial statement analysis and review loan agreements. Requirements: Advanced proficiency in MS Excel. Superior communication skills written, verbal, and interpersonal. Bachelor's degree/MBA/advanced degree in finance. Extensive experience in credit analysis/financial spreading or a similar role, with at least 1-2 years in a leadership position. What is in it for you: Opportunity to work with a leading financial services firm. Dynamic and growth-oriented work environment. Exposure to a variety of asset classes and geographies. Leadership and team management experience. Competitive compensation and benefits package.

Summary: We are seeking a skilled and experienced Manager to join our growing Portfolio Management Group. The primary responsibility of this role is to work closely with clients to monitor the performance of financing transactions across various asset classes in structured finance, covering different geographies. The ideal candidate will possess strong technical skills and a holistic understanding of the commercial lending domain. Your Future Employer: A leading financial services firm known for its expertise in structured finance and investment banking. The company provides a dynamic and growth-oriented environment for professionals looking to advance their careers. Responsibilities: Collaborate with clients to monitor investment transactions across multiple asset classes. Demonstrate a solid understanding of commercial lending processes, particularly corporate loans. Manage the financial spreading and covenant monitoring processes, ensuring accuracy and compliance. Supervise and lead a team of financial analysts. Conduct financial statement analysis and review loan agreements. Requirements: Advanced proficiency in MS Excel. Superior communication skills written, verbal, and interpersonal. Bachelor's degree/MBA/advanced degree in finance. Extensive experience in credit analysis/financial spreading or a similar role, with at least 1-2 years in a leadership position. What is in it for you: Opportunity to work with a leading financial services firm. Dynamic and growth-oriented work environment. Exposure to a variety of asset classes and geographies. Leadership and team management experience. Competitive compensation and benefits package.

Senior Associate/Team Lead/Assistant Manager- Credit Analyst (Financial Spreading Candidate Specification & Job Responsibilities Candidate should have 2+ years of experience in Credit analysis Financial Spreading & Moody Credit lens Analyzing and spreading the financial statements in Moody's Risk Analyst (MRA) / Credit lens / client customized templates. Analysis of financial statements including Income statement Balance Sheet & cash flow of public & private companies for the credit appraisal process.Calculating the Adjusted Net Worth Recurring Cash Flows Annual Debt Service Contingent Liabilities Custom Ratios and other financial metrics.Screening the credit agreements and analyzing the financial covenants applicable to the borrower Monitor Covenant compliance and reporting.Must be flexible with shifts Contact Person - Supraja Contact Number-9840937225 Email id-supraja@gojobs.biz

Job Description A Commercial Real Estate (CRE) Underwriter plays a crucial role by underwriting at an advanced level of complexity for commercial portfolios. Provide guidance to structuring, servicing, and analysis for both new and renewal credits. The underwriter identifies, gathers, and reviews financial information to determine borrower risk ratings and appropriate loan structuring. Assess and communicate risks to assist department risk mitigation strategies. Products include lines of credit, term loans, real estate loans, and syndicated loans. Key Responsibilities Underwriting: Underwrites commercial credit actions according to applicable regulations, procedures, and guidelines Reviews financial statements, communicates with clients or prospects, and performs analysis to recommend borrower risk ratings and appropriate loan structuring Ensures all involved parties are updated on underwriting progress and outcome Analysis: Conduct thorough due diligence, including reviewing financial statements, property appraisals, rent rolls, and market studies Utilize various financial models and software to assess cash flow, debt service coverage ratios, loan-to-value ratios, and other key financial metrics Conduct cash flow analysis, sensitivity testing, and calculate DSCR/LTV/Debt Yield Sources, compiles, and interprets financial data to support structuring and approval of loans Reviews industry information and comparisons, key risks and mitigants, and collateral to form a general business overview of the borrower Utilizes results of analysis to underwrite commercial loans Valuation: Well versed in real estate valuation methods like Gross rent multiplier (GRM), Value per door and Cost per rentable square foot Risk Management: Evaluate borrower financials, guarantor liquidity, lease terms, and market conditions using third-party reports (appraisals, environmental assessments) Identifies risks through reviews, analysis, and research of new and existing commercial credit requests and relationships Works closely with Bank associates and partners to resolve risk issues, communicating review schedule and potential changes in the commercial portfolio Assists in coordinating review and renewal schedules for existing credits, facilitating ongoing risk identification and management Documentation and Compliance : Analyse loan agreements, covenants, and securitization documents for CMBS deals to ensure compliance. Prepare detailed credit memos and underwriting reports that summarize findings and provide recommendations for credit approval or denial. Ensure compliance with internal policies, regulatory guidelines, and industry standards throughout the underwriting process. Collaborate with legal and compliance teams to ensure all required documentation is complete, accurate, and properly filed. Client Interaction and Relationship Management: Work closely with loan officers, brokers, and clients to gather necessary information and clarify concerns during the underwriting process. Provide exceptional customer service by maintaining clear and effective communication with all stakeholders. Build and maintain strong relationships with clients, industry professionals, and internal teams to facilitate smooth transactions Qualification: Bachelor/master's degree in commerce, Finance & Accounting Minimum 2 to 4 years of relevant experience in CRE underwriting Willing to work in night shifts willing to work from office Interested candidate please share the profiles to priyadarshini.narayanan@cognizant.com

Role & responsibilities Specialized knowledge in end to end spreading of private clients including the input of as reported data and normalization and alignment Good understanding of various techniques and methods of accounting treatments, financial adjustments and credit analysis of key financial metrics. Examples include performing analysis and addbacks to develop internally adjusted EBITDA calculations, reviewing financials for revolver availability and liquidity details, performing debt breakdowns, adding business segment detail and other detailed analysis required by credit teams and use cases. Financial statement data must meet high integrity standards for internal and external credit usage and reporting requirements. To analyze the balance sheet, income and cash flow statements of our clients. Provide mentorship and training to newer members of the team; providing cross-functional knowledge and training to the support teams. Preferred candidate profile Will be accountable for regular deliverables Good understanding of financial statements and accounting principles Should have good quantitative skills Excellent verbally and written communication skills Responsible for delivering 100% quality to the client Be able to maintain productivity, quality and meet short/strict deadline Assist superiors in activities related to productivity improvement, quality initiatives, pilot processes etc. Work under high pressure and long hours, strong work ethics and positive attitud

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

Looking for candidates with 0 to 30days of notice period. Job Description: Candidate with minimum 8+ years of work experience within a financial institution (analyzing corporate clients risk insights and credit) Strong experience into Financial Spreading Credit Analysis, credit review, Credit note,& commercial Lending Operations. Preparation of detailed credit and financial analyses risk asset reviews including evaluation of corporate regulatory and industry risk historical operating performance projected operating performance and capital structure. Sound knowledge of financials cash flow leverage & liquidity analysis credit quality assigned value risk analysis internal rating rationale projections and credit recommendations Covenant Monitoring. Strong knowledge on US GAAP Accounting / International Financial Reporting Standards ((10-K 10-Q SEC Filings Investor Presentation etc.) Ability to understand private and public limited corporation structure reporting and classification of financial segments and key credit assessment ratios / parameters Strong Knowledge of MS Office Spreadsheet and formulas Strong Ability to handle seasonal peaks and dynamic changes in workflow Knowledge of any one Financial Spreading tools: Moodys Risk Analyst FIS Optimist Credit lens or allied spreading tools Flexible to work in night shifts. Contact Person: Devikala D Email ID: devikala@gojobs.biz

Greetings! We are hiring for leading Fintech Company and we are seeking an exceptional Associate/Senior Associate to join our dynamic team! Job Title : Associate/Senior Associate . Experience : 3 to 8 years. Location : Hitech City Hyderabad. The primary responsibility would involve working closely with global investment banks or asset managers in monitoring their investments across corporate credit portfolios. The transactions could be direct investments or providing leverage on a portfolio of corporate credits. The role would entail carrying out credit analysis of middle market and leveraged loans and monitoring the ongoing performance after the loan has been onboarded. Key Responsibilities Supporting clients in monitoring the performance of their investments in corporate credit across various sectors Extract and review key data from facility agreements, amendment documents, financial statements, compliance certificates, and budgets Monitor financial covenants(leverage ratios, interest coverage ratios and more) and other credit metrics to highlight any red flags on the credits Firm grasp on financial statements, ratios, MS Excel, and other MS tools Manage data for transactions on the platform Validate performance reports and dashboards on the platform and resolve data or accuracy related issues Be the primary QC in charge and mentor for teammates who can help streamline the work flow across the team Required Experience/ Skill Set Good understanding of the commercial lending process Understanding of leveraged loan structures and underlying documentation Experience in credit appraisals, report writing and capital structure analysis, pro-forma analysis The candidate should possess a highly analytical mind with a high level of attention to detail 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 For Associate level, minimum three years of relevant work experience post an MBA (Finance Major) For a Senior Associate, minimum four to six years of relevant work experience post an MBA (Finance Major) with a stellar performance curve Prior experience with Investment Bank, Investment Management firm, Financial Advisory firm or KPOs as a credit analyst is beneficial

Dear Applicant, Hiring for Commercial underwriting - SME Position SME Location : Chennai / Mumbai Process Commercial Underwriting Ctc - 7.5-8lpa Description – Looking for candidates with good experience in commercial underwriting / CRE underwriting/ financial spreading Shifts – US shifts/WFO Notice period – Immediate/ 1 month only Interested candidates contact HR Hema@9136535233/ hemavathi@careerguideline.com

Interested Candidates can share their resume to below mail id: bharath.harish@Careernet.in Roles and Responsibilities Process loan applications from start to finish, ensuring timely disbursement of funds. Conduct thorough credit checks on borrowers using various databases such as Equifax, Experian, and TransUnion. Verify income documentation through tax returns, pay stubs, and bank statements. Collaborate with underwriters to resolve any issues or concerns during the loan review process. Ensure compliance with company policies and procedures while maintaining high levels of customer service. Desired Candidate Profile 0-2 years of experience in US mortgage loans processing or related field (freshers welcome). Proficiency in using dropdown menus for data entry and familiarity with Rollout software is an added advantage. Excellent documentation skills with attention to detail for accurate record-keeping purposes.

Financial Spreading (Sr. Associate/ Delivery Lead) Job Location - Gurgaon (Work from office) Job Purpose We are looking for a dedicated and motivated individual who has strong technical, analytical and organizational skills for our Lending Services team. Key Responsibilities Analyzing and spreading the financial statements in Moodys Risk Analyst (MRA) / Creditlens / client customized templates Analysis of financial statements including Income statement, Balance Sheet & cash flow of public & private companies for the credit appraisal process Going through the supplementary schedules, notes and MD&A for the detailed breakups and adjustments Normalizing the financial statement 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 Screening the credit agreements and analyzing the financial covenants applicable to the borrower Monitor Covenant compliance and reporting. Conduct detailed quality checks of client deliverables The candidate should possess reasonable knowledge of the banking processes related to commercial lending, especially corporate loans. Key Competencies MBA (Finance) / CA (CPA equivalent) / CFA Experience of 6-10 years in spreading Proven track record of process handling and client management Proficient in Advanced MS Excel Prior experience of working on Moodys Risk Analyst (MRA) is preferred Excellent written and spoken communication skills

Manager -Credit Monitoring - 6+ years -Hyderabad Location: Hyderabad Summary: We are seeking a skilled and experienced Manager to join our growing Portfolio Management Group. The primary responsibility of this role is to work closely with clients to monitor the performance of financing transactions across various asset classes in structured finance, covering different geographies. The ideal candidate will possess strong technical skills and a holistic understanding of the commercial lending domain. Your Future Employer: A leading financial services firm known for its expertise in structured finance and investment banking. The company provides a dynamic and growth-oriented environment for professionals looking to advance their careers. Responsibilities: 1. Collaborate with clients to monitor investment transactions across multiple asset classes. 2. Demonstrate a solid understanding of commercial lending processes, particularly corporate loans. 3. Manage the financial spreading and covenant monitoring processes, ensuring accuracy and compliance. 4. Supervise and lead a team of financial analysts. 5. Conduct financial statement analysis and review loan agreements. Requirements: 1. Advanced proficiency in MS Excel. 2. Superior communication skills written, verbal, and interpersonal. 3. Bachelor's degree/MBA/advanced degree in finance. 4. Extensive experience in credit analysis/financial spreading or a similar role, with at least 1-2 years in a leadership position. What is in it for you: 1. Opportunity to work with a leading financial services firm. 2. Dynamic and growth-oriented work environment. 3. Exposure to a variety of asset classes and geographies. 4. Leadership and team management experience. 5. Competitive compensation and benefits package. 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: Financial spreading, corporate credit, credit analysis, investment banking, commercial lending, structured finance, financial analysis, Crescendo, Crescendo Global

Location: Hyderabad Summary: We are seeking a skilled and experienced Manager to join our growing Portfolio Management Group. The primary responsibility of this role is to work closely with clients to monitor the performance of financing transactions across various asset classes in structured finance, covering different geographies. The ideal candidate will possess strong technical skills and a holistic understanding of the commercial lending domain. Your Future Employer: A leading financial services firm known for its expertise in structured finance and investment banking. The company provides a dynamic and growth-oriented environment for professionals looking to advance their careers. Responsibilities: 1. Collaborate with clients to monitor investment transactions across multiple asset classes. 2. Demonstrate a solid understanding of commercial lending processes, particularly corporate loans. 3. Manage the financial spreading and covenant monitoring processes, ensuring accuracy and compliance. 4. Supervise and lead a team of financial analysts. 5. Conduct financial statement analysis and review loan agreements. Requirements: 1. Advanced proficiency in MS Excel. 2. Superior communication skills written, verbal, and interpersonal. 3. Bachelor's degree/MBA/advanced degree in finance. 4. Extensive experience in credit analysis/financial spreading or a similar role, with at least 1-2 years in a leadership position. What is in it for you: 1. Opportunity to work with a leading financial services firm. 2. Dynamic and growth-oriented work environment. 3. Exposure to a variety of asset classes and geographies. 4. Leadership and team management experience. 5. Competitive compensation and benefits package. 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: Financial spreading, corporate credit, credit analysis, investment banking, commercial lending, structured finance, financial analysis, Crescendo, Crescendo Global

Role & responsibilities Specialized knowledge in end to end spreading of private clients including the input of as reported data and normalization and alignment Good understanding of various techniques and methods of accounting treatments, financial adjustments and credit analysis of key financial metrics. Examples include performing analysis and addbacks to develop internally adjusted EBITDA calculations, reviewing financials for revolver availability and liquidity details, performing debt breakdowns, adding business segment detail and other detailed analysis required by credit teams and use cases. Financial statement data must meet high integrity standards for internal and external credit usage and reporting requirements. To analyse the balance sheet, income and cash flow statements of our clients. Provide mentorship and training to newer members of the team; providing cross-functional knowledge and training to the support teams. Preferred candidate profile Will be accountable for regular deliverables Good understanding of financial statements and accounting principles Should have good quantitative skills Excellent verbally and written communication skills Responsible for delivering 100% quality to the client Be able to maintain productivity, quality and meet short/strict deadline Assist superiors in activities related to productivity improvement, quality initiatives, pilot processes etc. Work under high pressure and long hours, strong work ethics and positive attitude