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.
Solid 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.
Robust 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