**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 America
📍 Chennai