Job highlights

- Bachelor’s/Master’s in Commerce, Finance or Accounting with 2+ years in Commercial Lending, Credit Analysis or Financial Spreading and expertise in 10-K filings and CPA-audited financial statements
- Analyze and spread financial statements, calculate credit ratios, identify ratio-impacting events, and highlight credit concerns

Designation: Senior Process Executive/ Process Specialist Job Level: JL 2A/ 3A

Work location: Bangalore

Exp: 1-5 years

Notice Period: Immediate to 30 Days

Shift Timings: Night shift

Qualification: Any Graduate (Full Time Education)

Key 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:

- Liquidity

- Leverage

- Debt service / coverage

- Profitability

- 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 borrowers 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.

Candidate Profile

- 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.
- Strong analytical skills and attention to detail.
- Good written and verbal communication skills.

Interested candidates please share your updated resume and below details to [email protected]

Details

Name

Contact Number

Email I'd

DOB

Total Years of Exp

Relevant Years of Exp

Current/ Previous Company Name

Notice Period

Current Location

Preferred Location

Current CTC

Expected CTC

Flexible for Night Shifts

Graduation

Post-Graduation (If applicable):

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