Job Description

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Credit Analyst - Financial Spreading
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:

• 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

Skills Required