Team Lead(Financial Spreading/4+yrs/Immediate)

Innova ESI Pvt Ltd; Bengaluru; On-site; INR 600,000 - 900,000; Full time

Job summary

Innova ESI Pvt Ltd in Bengaluru is seeking an experienced Credit Analyst to review borrower financials and perform financial spreading. You will analyze 10-K/10-Q filings, prepare ratios, and highlight credit concerns."

The role requires 4+ years of experience in Commercial Lending or Credit Operations and a strong eye for detail. Flexible shifts and full-time engagement are expected in a dynamic team environment.

Qualifications

• 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 statements.
• Strong understanding of accounting concepts and financial statement analysis.
• Ability to calculate financial ratios and interpret impact of events on those ratios.
• Strong analytical skills and attention to detail.

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.
• Team Handling experience is mandatory

Skills

Qualitative research

Quantitative research

Analytical skills

Root cause analysis

Process improvement

Client requirements

Team handling

Education

Graduate degree

Job description

Qualification: Any full time graduate (B.Com/MCom, BBA/MBA)

Shifts: Flexible to work for any shift (24*5)

Experience: 4+ Years

• This role requires ability to perform Qualitative and Quantitative Research and good Analytical skills to interpret and make sense of data/ information in hand
• Understand client query and their requirements
• Perform Root Cause Analysis and drive Process Improvements

KEY RESPONSIBILITIES / DUTIES

• 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.
• Team Handling experience is mandatory

To qualify for the role, you must have:

• 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.