? We're Hiring | Team Lead – Commercial Lending & Credit Analysis ?

Location:
Bellandur, Bangalore ?

Experience:
4+ Years ? Team Handling

Experience:
Mandatory ? Qualification: Full-time Graduate (B.
Com/M.
Com, BBA/MBA) ? Shift: Versatile to work in any shift (24×5) ? Key Skills
• Commercial Lending
• Credit Analysis & Credit Operations
• Financial Spreading
• Financial Statement Analysis
• 10-K & 10-Q Analysis
• CPA-Audited Financial Statements
• Balance Sheet, Income Statement & Cash Flow Analysis
• Financial Ratio Analysis
• Root Cause Analysis (RCA)
• Team Handling & Process Improvement ?

Key Responsibilities
• Review and analyze borrower financial information, including 10-K, 10-Q, CPA-audited and annual/interim financial statements.
• Spread Balance Sheet, Income Statement and Cash Flow Statement data into designated tools/templates.
• Perform period-over-period and year-over-year financial analysis.




• Calculate and interpret key ratios covering liquidity, leverage, profitability, working capital and debt-service coverage.
• Identify significant financial trends, discrepancies and potential credit concerns.
• Perform reconciliation and reasonableness checks.
• Understand client requirements and resolve queries effectively.
• Perform Root Cause Analysis and drive process improvements.
• Handle and support team operations and performance. ? Required Experience ✔ 4+ years of overall experience ✔ 1+ year of experience in Commercial Lending / Credit Analysis / Financial Spreading / Credit Operations ✔ Hands-on experience with 10-K, 10-Q and CPA-audited financial statements ✔ Strong understanding of accounting concepts and financial ratios ✔ Strong analytical and problem-solving skills ✔ Team Handling experience is mandatory

📌 Team Lead–Commercial Lending (Bengaluru)
🏢 Innova ESI
📍 Bengaluru