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Job Title: Senior Analyst - Credit Analysis (Project Management) Management Level: P2 Job Category: Senior Associate Job location: Bengaluru About the Job : The Senior Associate being a part of the Credit Analysis team at First citizens India (FCI) will be responsible for performing a broad set of credit portfolio monitoring functions such as financial statements spreading, covenant monitoring, borrowing base calculations, preparing detailed portfolio review & compliance-monitoring. The Senior Associate will be also required to support on ongoing credit projects/initiatives by analyzing data, monitoring progress, preparing reports, and ensuring projects stay on track, working within project management framework. The role requires blend of strong commercial credit knowledge with experience in project management. He/she would be required to have good working knowledge of commercial lending tools and applications, with expertise in project management and MS Office tools. Essential Functions Perform assigned activities required to support the manager. Work under limited supervision and has an expanded skill set that is applied to the essential functions. Utilize knowledge/resources to resolve moderate to complex issues, escalate complex non-routine problems. General operations functions may include, but are not limited to: Credit Portfolio Monitoring Financial analysis of SVB Commercial clients across Technology, Healthcare, Corporate sectors Financial Spreading (incl. income statements, balance sheets, and cash flow statements) of corporate clients using Moodys CreditLens per Banks and regulatory guidelines. Covenant compliance calculation and monitoring for the borrowers on a monthly/quarterly basis as defined in the borrowers loan and security agreement (LSA) Monthly monitoring and tracking of financial spreading, covenant compliance status of the clients. Maintain the portfolio review dashboard daily. Maintain and track the latest financial and reporting provisions for borrowers and correctly report in SVB dashboards, run daily/monthly reconciliations of borrower information. Project Management Assist in managing key projects, tracking progress, and ensuring deliverables are met on time. Proactively follow-up with managers to ensure timely responses and project alignment. Gather, analyze, and interpret business data to provide insights that support strategic decisions. Identify inefficiencies, recommend process enhancements, and work with teams to implement best practices. Prepare reports, dashboards, and presentations that clearly communicate key findings and recommendations. Work closely with internal teams, leadership, and partners to ensure smooth execution of initiatives. Core Skills Excellent written and spoken communications skills Strong financial skills, with understanding of various classes of debt (secured/unsecured/subordinated) Comfortable with spreading and analyzing detailed financial statements in Moody’s CreditLens Outstanding attention to detail, accuracy, and ability to multitask Strong analytical and critical thinking skills with a proactive approach to solving challenges. Efficient and well organized, able to work under tight deadlines Ability to work in a team environment and coordinating with various stakeholders Ability to be flexible with shift timings (2 pm – 11 pm) Additional skills (good to have) Comfortable with commercial lending portfolio reporting and workflow tools Driving Change management and project management governance Broad understanding of the commercial loan/lending lifecycle Coverage of innovation economy industries (like technology, healthcare, life sciences, etc.) Competencies Accountability Self-motivated Attention to detail Fostering Teamwork Organization Skills Problem Solving Time management Education and certifications Bachelor’s degree in commerce / MBA(Finance) CA (CPA equivalent) / CFA will be added advantage Experience 3-5 years of experience in Credit Analysis functions (spreading, covenants, reviews, etc.) Exposure to US accounting, GAAP, and IFRS Experience in the banking/lending industry
