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Idexcel - Business Analyst - Financial Spreading Software

Idexcel - Business Analyst - Financial Spreading Software

Idexcel Technologies Private LimitedBangalore, India
12 days ago
Job description

Job Description :

Designation : Business Analyst - Financial Spreading Software

Client : IDEXCEL Technologies, Full Time Position

Experience : 5+ Years

Notice Period : immediate to 15 Days

Work Mode : Work From Office( 5 Days in a week)

Interview Mode : ( 2 Levels) 1 St Level will be online, 2 nd Level will be F2F.

Work Location : Bangalore

Business Analyst - Financial Spreading and Duties :

  • Elicit, analyze, and document detailed business requirements for financial spreading software from various stakeholders, including lenders, credit analysts, and underwriters.
  • Conduct market research to identify industry trends, best practices, and competitive landscape in financial spreading software, with a focus on C&I, CRE, and Agriculture lending.
  • Translate business needs into functional and non-functional requirements, user stories, use cases, and process flows for the development team6.
  • Collaborate with the development team to ensure the software design and functionality align with the documented requirements.
  • Ensure the software design and functionality adhere to relevant regulations and industry standards in financial spreading and credit risk assessment.
  • Create comprehensive user acceptance testing (UAT) plans and test cases to validate the software against the defined requirements.
  • Participate in UAT sessions, document defects, and work with the development team to resolve issues.
  • Contribute to the development of user manuals, training materials, and online help documentation to support user adoption and understanding of the software.
  • Stay informed about regulatory changes and industry standards related to financial spreading and credit risk assessment in C&I, CRE, and Agriculture lending.
  • Support the product management team in defining the product roadmap and prioritizing features based on market needs and client feedback.
  • Support the implementation and adoption of the software by users, including providing training and facilitating change management activities.
  • Incorporate feedback from stakeholders, such as product managers and lead developers, to refine and improve the software requirements and design.

Required Skills and Experience :

  • Proven experience as a Business Analyst in the financial services industry, with a focus on lending and credit risk management.
  • Strong understanding of financial spreading methodologies, including the analysis of financial statements, tax returns, and cash flow projections .
  • Specific knowledge of C&I, CRE, and Agriculture lending practices, including creditworthiness assessment, loan structuring, and risk mitigation strategies .
  • Familiarity with credit risk assessment tools and techniques, such as financial ratios, credit scoring models, and stress testing .
  • Experience with data analysis and financial modeling tools, such as Excel, SQL , and statistical software packages.
  • Familiarity with leading financial spreading software solutions and platforms in the market (e.g., Moodys CreditLens, Sageworks, nCino, Baker Hill NextGen) .
  • Strong analytical and problem-solving skills, with the ability to identify and articulate business needs and translate them into software requirements .
  • Proficiency in using requirement management tools and techniques, such as JIRA, Confluence, and Agile Qualifications :
  • Bachelors degree in business administration, Finance, Economics, or a related field.
  • Masters degree in business administration (MBA) or a related field is preferred .
  • Relevant certifications, such as Certified Business Analysis Professional (CBAP) or Certified associate in project management (CAPM), are a plus .

    • Specific Knowledge of C&I, CRE, and Agriculture Lending Practices :

  • To effectively gather and analyze business requirements for financial spreading software, the Business Analyst should possess specific knowledge of lending practices across various sectors :

    • C&I Lending :

  • Understanding of various types of C&I loans, such as working capital loans, term loans, and lines of credit .
  • Knowledge of key factors in assessing credit risk for C&I businesses, including industry analysis, competitive landscape, and management quality .

    • CRE Lending :

  • Understanding of different types of CRE properties, such as office buildings, retail centers, and industrial properties .
  • Knowledge of CRE valuation methods .

    • Agriculture Lending :

  • Understanding of the unique characteristics of agricultural businesses, including seasonality, commodity price fluctuations, and government support programs .

    • Understanding of Credit Risk Assessment and Mitigation

    The Business Analyst needs a strong understanding of credit risk assessment and mitigation strategies :

  • Creditworthiness Assessment :
  • Ability to analyze borrower financial statements, including balance sheets, income statements, and cash flow statements .
  • Understanding of key financial ratios and metrics used to assess creditworthiness .
  • Risk Mitigation :
  • Familiarity with various credit risk mitigation techniques, such as loan covenants, collateral requirements, and with Data Analysis and Financial Modeling

    • The Business Analyst should have a strong foundation in data analysis and financial modeling :

  • Proficiency in using spreadsheet software, such as Microsoft Excel, for financial analysis and modeling.
  • Experience with database query languages, such as SQL, to extract and analyze data from financial Business Analyst position offers a unique opportunity to be at the forefront of developing innovative financial spreading software that will revolutionize credit decision-making in the financial services industry. The successful candidate will be a highly analytical and communicative individual with a deep understanding of C&I, CRE, and Agriculture lending practices, and a passion for leveraging technology to improve efficiency and accuracy in credit risk assessment.

    • (ref : iimjobs.com)

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