Senior Analyst - Credit Analysis

FC Global Services India LLP (First Citizens India), a part of First Citizens BancShares, Inc., a top 20 U.S. financial institution, is a global capability center (GCC) based in Bengaluru. Our India-based teams benefit from the company’s over 125-year legacy of strength and stability. First Citizens India is responsible for delivering value and managing risks for our lines of business. We are particularly proud of our strong, relationship-driven culture and our long-term approach, which are deeply ingrained in our talented workforce. This is evident across all key areas of our operations, including Technology, Enterprise Operations, Finance, Cybersecurity, Risk Management, and Credit Administration. We are seeking talented individuals to join us in our mission of providing solutions fit for our clients’ greatest ambitions.

Job Description:

Value Proposition

 At First Citizens India, you’ll have the opportunity to be more than just an analyst, you’ll be a trusted partner in safeguarding the Bank’s credit portfolio.

• Global Exposure: Collaborate directly with Senior Credit and Risk professionals in the U.S., gaining insights into global credit practices.
• Impactful Work: Play a critical role in monitoring a multi-billion-dollar credit portfolio, helping the Bank stay resilient and client-centric.
• Career Growth: Build your expertise in Credit analysis while having access to structured learning, mentorship, and opportunities to move into leadership roles.
• Innovation at Scale: Be part of a team driving process improvement and technology adoption in Credit monitoring.
• Culture of Stability & Growth: Join a Bank that has thrived for over 125 years, balancing stability with continuous growth and innovation.

Job Details

• Position Title:  Senior Analyst, Credit Analysis
• Career Level:  P2
• Job Category: Senior Associate
• Role Type: Hybrid
• Job Location: Bengaluru, Karnataka

About the Team: Credit Analysis

 We are a diverse and highly skilled team of Credit professionals, experienced in Origination, Underwriting, and end-to-end Portfolio Monitoring.

Our team specializes in Technology & Healthcare Accelerator & Growth, Corporate Banking, Sponsor Finance, Fund Banking, Commercial Real Estate (CRE), Healthcare – Medical Office Building (MOB), Wine, Community Assistance Banking (CAB), and Community Development Finance (CDF) loans monitoring across Innovation Banking, Fund Banking, Commercial Finance and General Bank. Additionally, the team supports the Centralized Cash Management Team (CCMT). Team works closely with US-based Credit Solutions team, Credit Officers, and Portfolio Managers to perform monthly, quarterly & annual monitoring of the loans. 

Impact

 As a Senior Analyst in the Credit Analysis team at First Citizens India, you will play a pivotal role in safeguarding the Bank’s credit quality and supporting informed lending decisions. This role is critical to enabling the Bank to make confident lending decisions, manage risks effectively, and maintain trusted relationships with clients. In this role, you will Leverage tools such as Moody’s Credit Lens, and other commercial lending platforms to deliver accurate, timely, and actionable insights.
You’ll Partner with Global Credit teams to ensure Risk management and strengthen Portfolio performance.

Key Deliverables

 As a Senior Analyst – Credit Analysis, you will play a critical role in supporting the ongoing management of Bank’s Credit portfolio. You will work closely with U.S. based Credit Officers, Portfolio Managers, and other stakeholders to deliver high-quality analysis and monitoring insights that help safeguard the Bank’s Credit exposure while ensuring client success.

General functions may include, but are not limited to:

• Credit Portfolio Monitoring: Support ongoing monitoring of assigned credit portfolio to identify potential risks and ensure compliance with Loan agreement and risk policies.
• Reporting Tasks Monitoring: Monitor and track monthly/quarterly reporting packages (arriving from US counterparts) to check for completeness of client information on the portal.
• New Client Addition and Modification: Set up/upload new client information in the portal in tune with Loan Security Agreement; monitor and update the modifications in the portal in accordance with Loan Modification Agreements.
• Financial Spreading & Analysis: Spread and analyze financial statements of borrowers in Moody’s CreditLens, identifying key trends, risks, and opportunities.
• Covenant Monitoring: Track borrower compliance with financial and non-financial covenants, raising early alerts on potential breaches.
• Borrowing Base Calculations: Perform accurate and timely borrowing base calculations, ensuring alignment with loan documentation and lending practices.
• Reporting & MI: Prepare recurring and ad-hoc reports to provide insights into portfolio performance, sectoral trends, and emerging risks.
• Risk Alerts & Escalations: Support early identification of problem credits through financial deterioration, covenant breaches, or industry headwinds.
• Collaboration: Partner with U.S. stakeholders across Credit, and Operations to ensure consistent standards, accuracy, and timeliness in deliverables.
• Process Improvement: Contribute ideas to enhance automation, standardization, and efficiency in portfolio monitoring processes.
• Quality Assurance: Ensure high level of accuracy in performance of all tasks. Adhere to reporting, financial spreading and covenant calculation KPIs/metrics, completing work within agreed to turnaround times. Report incidents of non-compliance items (e.g., differences in financial statements provided by client) to lead analyst/manager on a timely basis.
• Mentoring juniors: Monitor tasks to be completed by other team members and support the manager in mentoring and training of new hire analysts.

Skills and Qualification

Functional Skills:

• Hands-on experience in spreading, covenant monitoring, and credit reporting.
• Strong knowledge of corporate lending products, credit documentation, and financial statement analysis.
• Excellent analytical, communication, and stakeholder management skills.
• Ability to work independently while being an active team contributor.
• Efficient and well organized, able to work under tight deadlines
• Outstanding attention to detail, accuracy, and ability to multitask
• Ability to be flexible with shift timings (2 pm – 11 pm)

Technical Skills:

• Bachelor’s degree in Commerce / MBA(Finance).
• Chartered Accountant / CFA / equivalent qualifications will be an added advantage.
• Experience: 3–5 years of experience in credit analysis, portfolio monitoring in a bank, NBFC, or financial services firm.
• Exposure to US accounting, GAAP, and IFRS
• Proficiency in MS Excel and financial analysis tools; familiarity with SQL, Power BI, Tableau is an advantage.

Leadership Qualities

• This is an individual contributor role; however, the role may require adhoc workflow management/ supporting team leaders/managers as warranted.
• High level of ownership and self-drive towards proactive portfolio risk management
• High on Self-management and situational leadership

Relationships & Collaboration

This role involves working with the Credit Analysis team, reporting to the Credit Analysis Manager. This role will have comprehensive training across credit analysis processes, owning and managing an independent portfolio and collaboration with the lending team and other stakeholders. This role also requires strong communication, and teamwork skills are essential.

Accessibility Needs

We are committed to providing an inclusive and accessible hiring process. If you require accommodation at any stage (e.g. application, interviews, onboarding) please let us know, and we will work with you to ensure a seamless experience.

Equal Employment Opportunity

FC Global Services India LLP (First Citizens India) is an Equal Employment Opportunity Employer. We are committed to fostering an inclusive and accessible environment and prohibit all forms of discrimination on the basis of gender, religion, caste, disability, sexual orientation, economic status or any other characteristics protected by the law. We strive to foster a safe and respectful environment in which all individuals are treated with respect and dignity. Our EEO policy ensures fairness throughout the employee life cycle.