Job Details:
• Analyze and spread financial statements including Balance Sheets, Income Statements, and Cash Flow Statements along with complex borrower financial statements, including consolidated and multi-entity structures.
• Extract and input financial data into bank-approved spreading tool.
• Perform advanced financial normalization, adjustments, and reclassifications to ensure consistency and comparability.
• Review audited and compiled financial statements for completeness and accuracy.
• Calculate and validate key financial metrics, ratios.
• Identify discrepancies, missing information, and unusual financial trends for escalation.
• Analyze historical performance and identify significant financial trends and business risks.
• Review financial spreads completed by junior analysts and associates.
• Participate in internal audits, quality reviews, and risk-control activities.
• Drive continuous improvements to enhance accuracy, consistency, and operational efficiency.
• Mentor and coach Associates on financial spreading methodologies and credit fundamentals.
• Conduct peer reviews and provide constructive feedback.
• Assist team leaders in training, onboarding, and knowledge management initiatives.
• Act as a Subject Matter Expert (SME) for spreading systems, financial statement analysis, and process best practices.
• Identify opportunities to improve productivity, quality, and turnaround time.
• Participate in automation, standardization,



and transformation initiatives.
• Develop and maintain process documentation and training materials.
• Support Credit Analysts and Underwriters in financial statement analysis and credit evaluations.
• Maintain service level agreements (SLAs) and productivity targets.
• Ensure adherence to credit policies, spreading guidelines, quality standards, and regulatory requirements.
• Knowledge of GAAP, IFRS, or regional accounting standards.
• Familiarity with spreading tools such as Moody's Credit Lens, nCino, or any other systems.
• Participating in the training programs based on business needs. Job Requirements & eligibility Criteria:
• 4-6 Years of experience in Banking BPO is preferred.
• Bachelor’s degree in commerce, Accounting, Finance, or a related field.
• Strong knowledge of accounting principles, financial statement interpretation, and credit risk concepts
• Advanced analytical and problem-solving capabilities.
• Proficiency in Microsoft Excel and financial analysis tools.
• Valuable written and verbal communication skills.
• Ability to work under deadlines and manage multiple priorities.
• Ability to work scheduled shifts.
• Ability to communicate (oral/written) effectively in English to exchange information with our client when required.
• Professional certifications such as CFA, CPA, CMA, FRM, or equivalent will be an added advantage.

📌 Banking Operations Analyst (Chennai)
🏢 NTT DATA Services
📍 Chennai