Analyst/Senior Analyst- Commercial Lending

About the CompanyEvalueserve is a global professional services provider that combines human intelligence with advanced technology to deliver high-quality solutions. Our mission is to empower organizations with insights and analytics that drive informed decision-making. We foster a culture of collaboration, innovation, and continuous improvement.About the RoleWe are looking to hire someone with experience in Financial Statement Analysis, Income Statement Analysis, Cashflow Analysis, Ratio Analysis, Financial Spreading, Calculating ratio, EBITDA Analysis, Covenants monitoring.Responsibilities- Analyst/Senior Analyst will join the Lending Services (Corporate and commercial banking) team at Evalueserve, supporting bankers in critical lending/credit processes across the end-to-end lending journey.Financials spreading (PL, BS and CF) on excel based model or lending platform along with key credit.Must have experience in team handling, exposure to periodic MIS, Workflow management.Metrics calculation.Performing PD/LGD spreading on risk rating platforms (Quantitative & Qualitative Parameters).Calculating covenants in line with facility agreements and providing detailed rationale for covenant Met/Breach results.Performing Annual/Quarterly or Half yearly reviews small or medium connections:Business Overview.Financial Analysis (Historical and Forecast) (Operating, Leverage & Liquidity ratios).Covenant performance.PD/LGD analysis.Verifying/Calculating compliance against bank transaction guidelines (DSC, FCCR, LTV, Interest cover, leverage etc.) or any other sector-based guideline.Collection of interest, Past Due Reconciliation, Unusual rate review, tax tracking on commercial lending.Trades & Settlements Support: Assignment Drafts, Lender KYC, Loan Assignments, Funded/Unfunded Obligation Changes.QualificationsBachelor's/Master’s degree with a major in finance, economics, accounting or from a reputed institute with 3+ years’ experience in the similar profile Strong Accounting and financial skills Understanding and experience of credit review or underwriting role is desirableExperience on lending platforms or credit search platforms like Credit lens, nCino, Excellent interpersonal and ability to build strong team culture Ability to ensure that tasks of team members are completed in a timely mannerAbility to practice attentive and active listening skills Challenging current thinking by implementing new ways of working Strong Accounting and financial skillPreferred SkillsUnderstanding and experience of spreading & Covenant Analysis is Preferable Experience on lending platforms or credit search platforms like Credit lens, nCino, e Eye for details and ability to identify and solve issues effectively on time Good MS Office Skills Excellent Communication and interpersonal skills Ability to ensure that tasks within areas of responsibility are completed in a timely manner Ability to practice attentive and active listening skillsAbility to identify proactive ways to contribute to firms’ goals & mission Challenging current thinking by implementing new ways of working