Commercial banking portfolio coordinator

Data Normalization: Extract and "spread" balance sheets, income statements, and cash flow statements from various formats (PDF, XBRL, Excel) into internal GRC or Credit platforms (e.g., Moody’s RiskCalc, nCino, or Baker Hill).

Adjustments & Recasting: Identify and normalize "one-time" non-recurring items, shareholder distributions, or extraordinary gains/losses to reveal the true EBITDA and operating cash flow.

Ratio Analysis: Calculate and interpret key financial metrics, including:

• DSCR (Debt Service Coverage Ratio)

• Debt-to-Equity and Leverage ratios