Role & responsibilities

- Analyze financial statements including Balance Sheet, Income Statement, and Cash Flow Statement.
- Perform financial spreading of borrower/company financials into internal credit templates or financial spreading tools.
- Assess the financial performance, liquidity, leverage, profitability, and cash-flow position of borrowers.
- Calculate and interpret key financial ratios and credit metrics.
- Analyze historical and projected financial performance.
- Support preparation of credit appraisal, credit review, and underwriting documents.
- Identify key credit risks and provide relevant financial analysis to support credit decisions.
- Review borrower information, industry trends, management information, and other relevant credit documentation.
- Conduct variance analysis between actual and projected financial performance.
- Assist in determining debt-servicing capacity and repayment ability.
- Maintain accuracy and quality of financial spreads and ensure data is supported by source documents.
- Support senior credit analysts/underwriters in preparation of credit memos and risk assessments.




- Ensure adherence to internal credit policies, procedures, and quality standards.

Preferred candidate profile

- Good knowledge of financial spreading and financial statement analysis.
- Strong understanding of Balance Sheet, P&L;, and Cash Flow Statement.
- Knowledge of financial ratios such as DSCR, Debt/EBITDA, Current Ratio, Quick Ratio, ROE, ROA, and leverage ratios.
- Understanding of credit underwriting and credit-risk concepts.
- Ability to identify trends, anomalies, and potential credit risks from financial statements.
- Good knowledge of Excel and financial analysis tools.
- Solid analytical and numerical skills.

Immediate Joiners only Interested candidates can share CV at [email protected]

NLB Services is an Equal Opportunity Employer. All qualified applicants will receive consideration without regard to any legally protected characteristic, including disability and protected veteran status. For recruitment accommodations, contact your recruiter or [email protected].

📌 Credit Analyst (Bengaluru)
🏢 NLB Services
📍 Bengaluru