Senior Process Executive

• Review and analyze borrower financial information, including 10-K and 10-Q filings, CPA-audited financial statements, annual/interim financial statements, and supporting schedules.

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

• Perform period-over-period and year-over-year analysis to identify material changes in financial performance.

• Calculate and interpret key financial ratios covering liquidity, leverage, profitability, working capital, and debt-service/coverage.

• Identify and explain ratio-impacting events, including changes in debt, revenue, margins, liquidity, working capital, non-recurring items, acquisitions/disposals, and other material financial movements.

• Perform reconciliation and reasonableness checks and identify discrepancies or exceptions.

• Highlight significant financial trends and potential credit concerns for further review.

• 1+ years of experience in Commercial Lending, Credit Analysis, Financial Spreading, or Credit Operations.

• Hands-on experience reviewing 10-K, 10-Q, and CPA-audited financial statements.

• Strong understanding of accounting concepts and financial statement analysis.

• Ability to calculate financial ratios and clearly understand the impact of financial events on those ratios.

• Strong analytical skills and attention to detail.

• Location

• Ballendur, Bangalore

• Shifts

• Flexible with night shifts

Education:

• BCom/MCom/BBA/MBA
  Work from Office mandatory

Education: Graduate

Preferred skills: Capital Market->Capital Market Operations