Roles & Responsibilities

- Review and analyze borrower financial statements, including SEC 10-K filings, CPA-audited financial statements, annual reports and supporting financial information.

- Spread Balance Sheet, Income Statement and Cash Flow Statement data into designated financial spreading templates/tools.

- Analyze historical financial performance, trends and year-on-year movements.

- Calculate and interpret key credit ratios covering:
o Liquidity
o Leverage
o Debt service / coverage
o Profitability
o Working capital

- Identify ratio-impacting events such as significant movement in revenue or profitability, changes in debt/leverage, liquidity deterioration, extraordinary/non-recurring items, acquisitions/disposals, and other material financial changes.

- Review financial statement disclosures and supporting schedules to identify information relevant to the borrower's credit profile.

- Perform reconciliation and reasonableness checks and investigate discrepancies.

- Highlight material trends, exceptions and potential credit concerns for further review.





- Maintain accuracy and completeness while meeting defined SLA and quality requirements.

Technical Requirement

- Bachelor's/Master's degree in Commerce, Finance, Accounting or related discipline.

- 2+ years of relevant experience in Commercial Lending, Credit Analysis, Financial Spreading or Credit Operations.

- Strong understanding of 10-K filings and CPA-audited financial statements.

- Sound knowledge of accounting principles and financial statement analysis.

- Hands-on experience calculating and interpreting financial ratios.

- Ability to understand how financial events and accounting movements impact credit ratios and borrower financial performance.

- Strong analytical skills and attention to detail.

- Positive written and verbal communication skills.

Educational Requirement
Graduate

Preferred Skills
India Banking->Consumer Banking, Mortgage, Lending Operations, Commercial Banking

Service Line
BPO Service Line

📌 Process Specialist (Hyderabad)
🏢 Infosys BPM
📍 Hyderabad