Financial Spreading Accountant (Operational Accountant II)

Location: San Antonio, TX

Work Arrangement: Hybrid – 3 days onsite / 2 days remote

Employment Type: 9-Month W2 Contract-to-Hire

Pay Rate: $26/hour W2

Position Overview

Calculated Hire is seeking a detail-oriented Financial Spreading Accountant to support a large financial institution's Commercial Banking Operations team in San Antonio, TX.

This position is responsible for reviewing, analyzing, and standardizing financial information received from commercial banking clients. The individual will work directly with financial statements, identify and classify accounting information, and accurately enter financial data into an internal system to support commercial credit processes.

The ideal candidate has a strong foundation in accounting principles, understands how financial statements connect, and enjoys detailed, accuracy-driven work.

Prior financial spreading experience is not required. Structured training will be provided. The team is particularly interested in early-career accounting professionals and recent Accounting graduates who can demonstrate strong technical fundamentals and a willingness to learn.

Key Responsibilities

• Review financial statements received from commercial banking clients, including Balance Sheets, Income Statements, and Cash Flow Statements.
• Analyze and classify financial accounts to ensure accurate entry into standardized financial spreading templates and systems.
• Identify inconsistencies, missing information, or discrepancies within financial statements and determine appropriate next steps.
• Apply accounting principles to interpret financial information across different businesses and reporting formats.
• Review financial statement relationships, account classifications, and supporting financial documentation.
• Maintain accuracy and consistency while managing an assigned queue of financial statements.
• Follow established procedures, quality standards, and production expectations.
• Collaborate with team members and leadership to resolve questions and improve accuracy.
• Participate in structured training, ongoing coaching, and quality reviews to build proficiency in the financial spreading process.

Required Qualifications

• Bachelor's degree in Accounting, Finance, Business, or a related field, with a demonstrated foundation in accounting principles. Accounting degrees are strongly preferred.
• Strong understanding of the three primary financial statements: Balance Sheet, Income Statement, and Cash Flow Statement.

·      Ability to identify major financial statement components, classify accounts, and explain how the three statements connect.

·      Understanding of fundamental accounting concepts, including assets, liabilities, equity, revenue, expenses, and net income.

·      Familiarity with financial statement analysis and basic liquidity concepts, including current assets, current liabilities, and working capital.

·      Strong attention to detail, analytical thinking, and problem-solving abilities.

·      Ability to work independently, follow standardized processes, and maintain accuracy in a production-oriented environment.

·      Proficiency with Microsoft Excel and general computer applications.

·      Ability to work full-time on a hybrid schedule in San Antonio, TX.

Preferred Qualifications

·      0–3 years of experience in accounting, bookkeeping, financial reporting, or financial statement analysis.

·      Hands-on experience with account reconciliations, General Ledger review, journal entries, or month-end close.

·      Experience preparing, reviewing, or analyzing Balance Sheets, Income Statements, or Cash Flow Statements.

·      Knowledge of liquidity ratios, including current ratio and quick ratio.

·      Intermediate Accounting, Financial Accounting, or Managerial Accounting coursework.

·      Experience with accounting software such as QuickBooks or similar financial systems.

·      Accounting internships, client accounting experience, or coursework involving financial statement preparation and analysis.

·      Experience investigating financial discrepancies and working with supporting documentation.

What Success Looks Like

·      Successful individuals in this position are comfortable working independently with detailed financial information and are motivated by producing accurate, consistent work.

·      During the initial training period, the focus will be on learning the financial spreading process, understanding account classifications, asking questions, and building accuracy.

·      As proficiency increases, individuals will take on greater ownership of their assigned financial statement queue and work toward established quality and productivity expectations.

Additional Position Details

·      This is a 9-month W2 contract-to-hire opportunity with the potential for full-time conversion based on performance and business needs.

·      The position follows a hybrid schedule requiring three days onsite per week in San Antonio, TX. Additional onsite attendance may be required during initial training.

·      Candidates must be comfortable with a structured, production-based accounting environment and demonstrate a genuine interest in developing their accounting and financial analysis skills.

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