Senior Process Executive

Responsibilities

• 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.

Requirements

• 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.

Additional: Location - Ballendur, Bangalore Shifts - Flexible with night shifts

Education

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