Bank Analysis

hace 1 semana

San José, San José, Costa Rica Spartan Capital Costa Rica A tiempo completo

About Spartan Capital:

Spartan Capital is a dynamic and fast-growing financial firm specializing in alternative business funding. We take pride in maintaining strong, transparent relationships with our clients while continuously improving our internal processes to ensure operational excellence.

Position Overview:

Responsible for reviewing and analyzing business bank statements to determine

financial stability, withhold, and eligibility for funding. This role involves

identifying legitimate revenue patterns, evaluating risk, and understanding

industry-specific financial behavior to support accurate and efficient pre-

qualification decisions.

Key Responsibilities:

· Analyze business bank statements to identify true revenue generated from

sales of products or services.

· Review debits to determine whether they look legitimate.

· Identify negative balance days, overdrafts, non-sufficient funds and other

risk indicators within bank statements.

· Detect companies debiting via ACH and recognize recurring payment

patterns.

· Evaluate the business's withhold by analyzing real revenue trends and

cash-flow behavior.

· Understand the industries of the businesses being evaluated to accurately

interpret financial activity.

· Review FICO scores as part of the overall risk and credit assessment.

· Conduct business searches to verify company information and ensure

alignment with industry standards.

· Identify payment behaviors and trends that may affect the business's

ability to qualify for funding.

Skills & Competencies:

· Strong analytical and financial interpretation skills

· Knowledge of ACH transactions and revenue verification

· Understanding of cash-flow patterns and business liquidity

· Ability to assess industry risk and business model viability

· Familiarity with credit evaluation, including FICO scores

  • · Attention to detail and risk-focused decision-making

Requirements:

  • Ability to work under pressure and manage multiple accounts effectively.
  • High level of professionalism, integrity, and attention to detail.
  • Strong analytical and problem-solving skills.
  • Willingness to learn, grow, and contribute to process and team development.

What We Offer:

  • Competitive base salary + performance-based incentives.
  • Opportunities for professional growth and leadership development.
  • Supportive and high-energy work environment.
  • Modern offices located in La Sabana.

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