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Tier-1 brand, metro location, and common early-career finance role drive high applicant competition.
Requires bank-specific credit analysis and GAAP expertise, making skills less transferable across industries.
Explicit 1–2 years requirement plus GAAP and spreading-software experience creates strict shortlisting filters.
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Perform detailed spreading and analysis of business and personal financial statements and tax returns in accordance with GAAP and bank policies.
Provide preliminary credit analysis including cash flow calculations and risk assessments for simple to complex credits.
Collaborate with Credit Officers and Relationship Managers to support credit underwriting, loan structuring, and covenant monitoring, potentially acting as an industry specialist for SBA/EXIM loan analysis.
1-2 years experience in a financial institution focused on credit analysis and spreading software.
Bachelor’s or University degree or equivalent experience.
Extensive knowledge of GAAP accounting, financial regulations, financial products, and credit analysis.
Work Location: Mumbai, India (Hybrid working model).
Experience handling complex financial statements including Not-For-Profit sector analysis.
Ability to integrate financial data interpretation with credit risk assessment and policy formulation.
Comfortable working in a collaborative environment with Credit Officers and Relationship Managers, providing advisory and quality assurance support.