Lead Analyst / Manager will join the Lending Services (Corporate and commercial banking) team at Evalueserve, supporting bankers in critical lending/credit processes across end-to-end lending journeys. Responsibilities will include conducting comprehensive credit assessments of existing borrowers to ensure continued creditworthiness and compliance with bank’s internal risk policies. This role involves analyzing financial statements, industry trends, and borrower performance to recommend appropriate credit limits and risk ratings. Key Responsibilities Perform annual credit reviews for assigned portfolio of borrowers, ensuring timely completion along with analysis of financial statement and key ratios to assess credit risk Financials spreading (PL, BS and CF) on excel based model or lending platform along with key credit metrics calculation Scrub and standardize financial statements, including adjustments for non-recurring items, normalization, and ensuring consistency across periods Input and validate financial data with high accuracy and consistency while ensuring correct mapping of financial line items as per client-defined formats Perform basic checks to identify missing or inconsistent data in financials, maintain quality control and adhere to defined turnaround times and SLAs while following standardized processes and client guidelines for financial spreading Understanding of financial projections based on management guidance, budget and consensus estimates Review industry outlook, market conditions, and borrower-specific developments impacting creditworthiness Update and validate risk ratings and recommend rating upgrades / downgrades Prepare detailed credit review reports with clear rationale for recommendations Collaborate with relationship managers and risk teams to gather relevant information and resolve queries Ensure compliance with internal credit policies, regulatory requirements, and audit standards Monitor early warning signals and elevate potential risk concerns proactively Support portfolio risk analysis and contribute to process improvements for credit review frameworks Mentoring / training juniors and monitoring their performance and development Handling Client calls and periodic communication Core Competencies Strong understanding of financial statements, credit risk models, and industry analysis are must Experience in credit review or underwriting role is desirable (Business and Financial Analysis, Credit Modeling, Operating, Leverage & Liquidity ratio analysis, Covenant analysis, PD/LGD analysis, Collateral analysis etc.) Experience on lending platforms or credit search platforms like Credit lens, nCino, Lexis/Nexis, Experian would be preferable Ability to analyze key points highlighted by rating agencies, reasons for rating changes Excellent written and verbal communication in Spanish and English is a must Strong analytical and report writing skills with eye for details and ability to identify and solve issues effectively on time Good proficiency in Microsoft Office is required Ability to ensure that tasks within areas of responsibility are completed in a timely manner Strong problem-solving and decision-making abilities Challenging current thinking by implementing new ways of working Ability to identify proactive ways to contribute to firms’ goals & mission Ability to work in a fast-paced, team-based multicultural environment Flexibility to work as per client schedule and workload requirements Excellent interpersonal skills and ability to build strong team culture Collaborative mindset with stakeholder management skills Required Qualifications Graduate/Master’s degrees specializing in Accounting, Finance and Economics such as Commercial Engineers, Accountants, Master’s in finance, MBA (Finance), are preferred 5-8 years of experience in credit research & analysis or credit risk management #J-18808-Ljbffr