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.
Solid analytical skills and attention to detail.
Additional ResponsibilityLocation - Ballendur, Bangalore
Shifts - Adaptable with night shifts
Education - BCom/MCom/BBA/MBA
Work from Office mandatory
Educational RequirementGraduate
Preferred SkillsCapital Market->Capital Market Operations
Service LineBPO Service Line

📌 Senior Process Executive Bengaluru
🏢 Infosys BPM
📍 Bengaluru