Operational Accountant II

Financial Spreading Accountant

Location: Hybrid | Charlotte, NC

Contract: 9-Month W2 Contract, Contract-to-Hire Potential

Pay Rate: $26/hour

Schedule: 40 hours/week | Hybrid, 3 days onsite / 2 days remote

Start Date: ASAP

Calculated Hire is seeking early-career accounting and finance professionals to support a Financial Spreading team within Commercial Banking Operations for a large financial services client.

This team is responsible for reviewing company financial statements and standardizing financial information used in downstream commercial credit analysis. The work is highly accounting-driven and requires a strong understanding of how financial statements are structured, how accounts relate to one another, and how to identify and validate key financial information.

This is a strong opportunity for recent graduates or early-career professionals looking to build hands-on experience within commercial banking, credit operations, and financial analysis.

• Review and interpret company financial statements, including balance sheets, income statements, and cash flow statements.
• Extract, classify, and standardize financial information according to established spreading guidelines.
• Analyze financial documentation from a variety of sources, including PDFs, scanned documents, financial reports, tax documents, and accounting system exports.
• Identify common financial statement accounts and determine where information should be classified within standardized financial spreading templates.
• Validate financial information for accuracy, completeness, and consistency before it is used for downstream credit analysis.
• Research discrepancies and investigate financial information that appears incomplete, inconsistent, or incorrectly categorized.
• Work with financial statements from a wide range of businesses, from privately held companies to larger organizations with more complex reporting.
• Maintain accurate and audit-ready documentation while following established procedures and internal controls.
• Apply feedback throughout training and demonstrate continued improvement in both quality and production.
• Meet established productivity expectations as proficiency increases.

• Bachelor's degree in Accounting, Finance, Economics, Business, or a related discipline with meaningful accounting coursework.
• Strong foundational understanding of the Balance Sheet, Income Statement, and Cash Flow Statement
  .
• Ability to explain how the three financial statements connect.
• Ability to identify common financial statement accounts and explain what they indicate about a company's financial position.
• Familiarity with accounting concepts such as assets, liabilities, equity, revenue, expenses, retained earnings, depreciation, amortization, and liquidity.
• Strong analytical thinking, attention to detail, and organizational skills.
• Ability to work independently in a structured, production-driven environment.
• Ability to receive feedback, implement it quickly, and take ownership of learning new processes.
• Working knowledge of Microsoft Excel and other Microsoft Office applications.

• Recent graduate or early-career professional with internship or professional experience in accounting, financial analysis, audit, commercial credit, banking, AR/AP, underwriting, or financial reporting.
• Experience reviewing or preparing financial statements through coursework, internships, or professional experience.
• Exposure to account reconciliations, general ledger activity, month-end close, journal entries, or financial statement preparation.
• Experience working with financial data that requires cleanup, validation, or reformatting.
• Exposure to SAP, Quick Books, Optimist, nCino, eTrack, or similar accounting and financial…