Hiring For Financial Operation - Spreading, Bangalore & Hyderabad

Infosys BPM Ltd.; Bengaluru; On-site; INR 600,000 - 900,000; Full time

Job summary

Infosys BPM Ltd. in Bangalore is seeking a Senior Process Executive/Process Specialist with 1-5 years of experience in Commercial Lending and Credit Analysis.

The role involves reviewing borrower financial statements, performing financial spreading, and calculating key credit ratios to assess credit risk. Strong analytical skills, attention to detail, and knowledge of 10-K filings are valuable assets for success in this position.

Qualifications

• Bachelor’s or Master’s degree in Commerce, Finance, Accounting or related discipline.

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.

Skills

Commercial Lending

Credit Analysis

Financial Spreading

Credit Operations

Financial statement analysis

10-K filings knowledge

Education

Bachelor's/Master's degree in Commerce/Finance/Accounting or related discipline

Job description

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.
• Strong 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.