Role Summary:
You will play a critical role in managing the operational aspects of bank statement categorization, providing key insights into the borrower’s financial activities. Your work will support the data foundation for credit decision-making in the client’s business lending portfolio in the US. The role involves manually categorizing and processing bank statement transaction data, ensuring both accuracy and timeliness. We are looking for detail-oriented professionals with a solid understanding of banking and financial data, excellent analytical skills, and the ability to work efficiently with large datasets. Proficiency in Microsoft Office, particularly Excel, is essential.

Key Responsibilities:
Perform financial statements spreading by accurately extracting financial data from Balance
Sheets, Income Statements, and Cash Flow Statements into standardized underwriting
templates and financial spreading tools.
Analyze audited, unaudited, consolidated, and standalone financial statements to assess the
financial health and creditworthiness of business entities.




Analyze debit and credit transactions from business bank statements and accurately
categorize transaction data into standardized bank statement spreading templates to
support financial analysis and credit underwriting decisions.
Review account activity to identify cash inflows, cash outflows, recurring transactions, and
business operating trends.
Evaluate average monthly balances, ending balances, deposit trends, withdrawal patterns,
and account utilization to assess business stability and financial performance.
Categorize banking transactions into predefined business and expense categories in
accordance with Standard Operating Procedures (SOPs).
Identify irregular transactions, overdrafts, NSF (Non-Sufficient Funds) activities, returned
payments, and unusual banking patterns that may impact credit risk.
Utilize Microsoft Excel and financial spreading tools to analyze financial data, generate
reports, and

📌 Analyst - Operations Analyst (Pune)
🏢 bluCognition
📍 Pune