Role Overview We are looking for an experienced Financial Spreading Analyst to join our banking credit risk operations team specializing in automated financial statement spreading systems This role bridges technology and analysis ensuring the accuracy completeness and usability of financial data captured by AI ML-enabled spreading platforms The ideal candidate will combine strong accounting and credit analysis expertise with a keen understanding of automated data extraction tools exception handling and process optimization Key Responsibilities Automated Spread Review Validate and reconcile financial data extracted by automated spreading systems e g Moody s Risk Analyst CreditLens or equivalent against source financial statements Ratio Analysis Calculate and interpret key financial ratios trends and performance indicators to highlight strengths weaknesses and potential risks Exception Handling Identify and correct system misclassifications OCR errors and misaligned mappings escalate recurring issues to technical teams for model retraining Complex Data Interpretation Apply judgment in handling unstructured or jurisdiction-specific financial formats adjusting for reclassifications non-recurring items and sector-specific reporting nuances Quality Control Perform periodic audits of system-generated spreads to ensure compliance with internal credit policies IFRS GAAP standards and regulatory requirements Stakeholder Collaboration Liaise with credit analysts relationship managers and system administrators to ensure timely and accurate delivery of spread data for credit decisions Process System Improvement Provide feedback to automation teams on template refinements data mapping logic and AI model performance contribute to user acceptance testing UAT for system upgrades Training Knowledge Sharing Support team members in understanding automated spread outputs exception patterns and best practices for validation Qualifications Skills Bachelor s degree in Finance Accounting Commerce or related field CA CPA CFA preferred 3 years of financial spreading experience in a banking or credit rating environment with at least 2 years working on automated spreading platforms e g Moody s Risk Analyst CreditLens or similar Robust grasp of IFRS GAAP industry-specific accounting nuances and cross-border accounting variations Hands-on experience with OCR-based data capture AI ML-powered financial extraction tools and exception handling workflows Advanced Excel and data validation skills comfort with structured unstructured data High attention to detail with ability to work to tight SLAs Effective communication skills for both business and technical audiences