Roles & 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 Requirement
- 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.

- Robust 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 ResponsibilityLocation - Ballendur, Bangalore
Shifts - Flexible with night shifts
Education - BCom/MCom/BBA/MBA
Work from Office mandatory
Educational RequirementGraduate
Preferred SkillsCapital Market->Capital Market Operations
Service LineBPO Service Line

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