Tcs Hiring For Financial Spreading & Credit Analyst

Tata Consultancy Services

2 - 6 years

2 - 7 Lacs

pune bengaluru

Posted:3 weeks ago| Platform:

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Skills Required

financial statements financial spreading covenant monitoring covenant analysis balance sheet analysis financial statement analysis

Work Mode

Work from Office

Job Type

Full Time

Job Description

Role & responsibilities

Responsible for analyzing and standardizing borrower financial statements for ratio analysis, trend analysis, cross-borrower comparison, Financial spreading, covenant monitoring, and credit review.

Conduct in-depth reviews of Balance Sheet, Income Statement, and Cash Flow Statement, including relevant notes to accounts.
Classify income, expenses, assets, liabilities, and cash flows in accordance with the banks prescribed guidelines.
Coordinate with Credit Managers/Relationship Managers to obtain borrower financials or source them from public domains.
Ensure high accuracy while updating validated data in the banks financial platform.
Perform ratio analysis and covenant monitoring, including marking off and reviewing covenants in client-required applications.
Manage workflow applications by raising queries, requesting missing documents, and addressing covenant headroom, breaches, and margin variances.
Verify that all balances reconcile with financial statements after spreading is completed.
Generate reports on the banks financial platform to calculate ratios and risk metrics.

Preferred candidate profile

Excellent organizational, verbal, and written communication skills.
High attention to detail with strong analytical and problem-solving abilities.
Proficiency in Microsoft Office applications.
Ability to work independently and collaboratively within a team environment.
Knowledge of financial spreading systems is an advantage.
Familiarity with UK accounting standards (IFRS) is a plus.
Minimum 2 years experience in financial spreading, and covenant monitoring process.
Strong grasp of UK GAAP, IFRS, and UK credit risk frameworks.
Experience with financial spreading tools (e.g., Moody’s, S&P, Excel models).

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