Analyst - Credit Risk

Perform financial statements spreading by accurately extracting financial data from BalanceSheets, Income Statements, and Cash Flow Statements into standardized underwritingtemplates and financial spreading tools.Analyze audited, unaudited, consolidated, and standalone financial statements to assess thefinancial health and creditworthiness of business entities.Analyze debit and credit transactions from business bank statements and accuratelycategorize transaction data into standardized bank statement spreading templates tosupport financial analysis and credit underwriting decisions.Review account activity to identify cash inflows, cash outflows, recurring transactions, andbusiness operating trends.Evaluate average monthly balances, ending balances, deposit trends, withdrawal patterns,and account utilization to assess business stability and financial performance.Categorize banking transactions into predefined business and expense categories inaccordance with Standard Operating Procedures (SOPs).Identify irregular transactions, overdrafts, NSF (Non-Sufficient Funds) activities, returnedpayments, and unusual banking patterns that may impact credit risk.Utilize Microsoft Excel and financial spreading tools to analyze financial data, generatereports, and maintain operational trackers.Prepare MIS reports, operational trackers, and productivity dashboards to monitor workflow,performance, and operational efficiency Required Skills & Qualifications Minimum bachelors qualification in B. Com, BA, B.Sc. or related field, MBA/M. Com withunderstanding of finance preferred.MS Office - Thorough understanding of the functions and diverse features of MS Officeapplications such as Excel, Word, PowerPoint, etc.Ability to work with data - expertise and comfort with extracting, transforming, and derivinginsights from data.Analytical rigor - ability to work in unstructured environments with clarity of thought.Solid understanding of Financials Statements with the ability to derive entitys financialstandpoint from a Credit Risk perspective.Financial services (Banks, Fintech, etc.) are preferred, but not mandatory.Excellent written and verbal communication skills and be able to prepare presentations forexecutive level audience.Ability to work under pressure and meet tight deadlines.Open to flexible working hours.0 to 3 years of relevant experience. .