Team Lead–Commercial Lending & Credit Analysis (Only Immediate Joiner)

Innova ESI; Bengaluru; On-site; INR 600,000 - 1,000,000; Full time

Job summary

Innova ESI Pvt Ltd in Bengaluru seeks an experienced Credit Analyst to analyze borrower financials, including CPA‑audited statements, and to spread financial data into templates. You will perform period-over-period analyses and ratio calculations to assess liquidity, leverage and profitability.

The role emphasizes identifying trends, discrepancies and potential credit concerns, with hands‑on experience in 10-K/10-Q and strong analytical skills. 4+ years in related fields required.

Qualifications

• 4+ years of overall experience in credit/financial analysis.
• 1+ year of experience in Commercial Lending / Credit Analysis / Financial Spreading / Credit Operations.
• Hands‑on experience with 10-K, 10-Q and CPA‑audited financial statements.
• Strong understanding of accounting concepts and financial ratios.

Responsibilities

• Analyze borrower financial information including 10-K/10-Q and CPA‑audited statements.
• Spread balance sheet, income statement and cash flow data into templates.
• Perform period-over-period and year-over-year financial analysis.
• Calculate and interpret liquidity, leverage, profitability and solvency ratios.
• Identify trends, discrepancies and potential credit concerns.
• Support team operations and performance; perform root cause analysis.

Skills

Credit analysis

Credit operations

Financial spreading

Financial statement analysis

CPA-audited financial statements

10-K

10-Q

Root cause analysis

Analytical thinking

Problem solving

Reconciliation

Job description

Shift: Flexible to work in any shift (24×5)

• Credit Analysis & Credit Operations
• Financial Spreading
• Financial Statement Analysis
• CPA-Audited Financial Statements
• Review and analyze borrower financial information, including 10-K, 10-Q, CPA-audited and annual/interim financial statements.
• Spread Balance Sheet, Income Statement and Cash Flow Statement data into designated tools/templates.
• Perform period-over-period and year-over-year financial analysis.
• Calculate and interpret key ratios covering liquidity, leverage, profitability, working capital and debt-service coverage.
• Identify significant financial trends, discrepancies and potential credit concerns.
• Perform reconciliation and reasonableness checks.
• Understand client requirements and resolve queries effectively.
• Perform Root Cause Analysis and drive process improvements.
• Handle and support team operations and performance.
• 4+ years of overall experience
• 1+ year of experience in Commercial Lending / Credit Analysis / Financial Spreading / Credit Operations
• Hands‑on experience with 10-K, 10-Q and CPA-audited financial statements
• Strong understanding of accounting concepts and financial ratios
• Strong analytical and problem‑solving skills