Key Responsibilities:

- Review and analyze borrower financial information including 10 K and 10 Q filings CPA audited financial statements annual interim financial statements and supporting schedules
- Spread Balance Sheet Income Statement and Cash Flow Statement data into designated spreading tools templates
- Perform period over period and year over year analysis to identify material changes in financial performance
- Calculate and interpret key financial ratios covering liquidity leverage profitability working capital and debt service coverage
- Identify and explain ratio impacting events including changes in debt revenue margins liquidity working capital non recurring items acquisitions disposals and other material financial movements
- Perform reconciliation and reasonableness checks and identify discrepancies or exceptions




- Highlight significant financial trends and potential credit concerns for further review

Technical Requirements:

- 1 years of experience in Commercial Lending Credit Analysis Financial Spreading or Credit Operations
- Hands on experience reviewing 10 K 10 Q and CPA audited financial statements
- Strong understanding of accounting concepts and financial statement analysis
- Ability to calculate financial ratios and clearly understand the impact of financial events on those ratios
- Strong analytical skills and attention to detail

Additional Responsibilities:

- Location Ballendur Bangalore
- Shifts Adaptable with night shifts
- Education BCom MCom BBA MBA
- Work from Office mandatory

Preferred Skills:

Capital Market->Capital Market Operations

📌 Senior Process Executive (Bengaluru)
🏢 Infosys BPM
📍 Bengaluru