Financial Spreading || Chennai || 2 to 8 years

Job Description

Credit Analyst – Financial Spreading

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Summary

We are seeking a detail-oriented Credit Analyst with strong financial spreading skills to join our team in Chennai. The ideal candidate will be responsible for reading, interpreting, and analyzing financial statements of both public and private companies, performing adjustments, and providing insights for credit appraisal. This role is critical in supporting our credit appraisal process and requires a strong analytical mindset, attention to detail, and excellent communication skills.

Responsibilities

• Spread financial statements, including 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 to compute and interpret financial ratios
• Communicate findings clearly with stakeholders

Requirements

Requirements :

Requirements

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