Credit Analyst Financial Spreading Chennai SME 2 To 8 years

1 week ago


Chennai, Tamil Nadu, India 2coms Full time ₹ 4,00,000 - ₹ 12,00,000 per year

SUMMARY

Job Title: Credit Analyst Financial Spreading

Location: Chennai Sholinganallur

Work Mode: Full-Time, Office (5 Days a Week)

Notice Period: Immediate Joiner Preferred

Job Description

We are seeking a detail-oriented Credit Analyst with strong financial spreading skills. The ideal candidate will be able to read, interpret, and analyze financial statements of both public and private companies, perform adjustments, and provide insights for credit appraisal.

Key Responsibilities

Spread financial statements: Income Statement, Balance Sheet, Cash Flow, using the bank's customized templates

Analyze supplementary schedules, notes, and MD&A for detailed breakups and necessary adjustments

Apply accounting principles under GAAP / IFRS

Compute and interpret financial ratios

Monitor covenant compliance and ongoing financial reporting

Understand how information flows between different statements and ensure consistency

Communicate findings clearly with stakeholders

Required Skills & Qualifications

Proficient in English (written and verbal) with strong communication and interpersonal skills

Solid foundation in accounting and corporate financial systems

Expertise in GAAP / IFRS is essential

Good understanding of financial ratios; knowledge of Moody's Risk Analytics is a plus

Strong analytical mindset, attention to detail, ability to work independently and under supervision


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