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: Analyst, Credit Analysis SBA
• Career Level: P1
• Job Category: 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. 

The Small Business Administration (SBA) Express Credit Analysis & Sales Support team supports the Bank's SBA Express lending program by facilitating efficient loan origination, underwriting support, eligibility reviews, and credit analysis activities. The team works closely with U.S.-based bankers, SBA specialists, credit officers, and operations partners to ensure timely loan processing while maintaining adherence to SBA guidelines, Bank policies and risk management standards

Impact

As an Analyst in the SBA Express Credit Analysis & Sales Support team at First Citizens India, you will play a pivotal role in supporting small business lending while safeguarding the Bank’s credit quality. This role is critical to enabling informed lending decisions, managing portfolio risk, and delivering exceptional experience for bankers and clients. You will combine credit analysis, loan eligibility assessment, sales support, and loan processing responsibilities to support the end-to-end SBA Express lending lifecycle.

The position serves as a key partner to Business Bankers, SBA Lending Specialists, Credit Officers, and Operations teams by providing analytical insights, underwriting support, and operational guidance throughout the loan lifecycle. Leveraging internal lending platforms, credit systems and financial analysis tools, you will evaluate borrower creditworthiness, analyze financial information, monitor risk indicators, and ensure compliance with SBA program requirements and Bank policies. You will also partner closely with U.S.-based lending, credit and operations teams to strengthen portfolio performance, drive process efficiency and support the Bank’s growth objectives

Key Deliverables

As an Analyst, you will work closely with U.S.-based Business Bankers, SBA Lending Specialists, Credit Officers and Operations teams to support the end-to-end SBA Express loan lifecycle

General functions may include, but are not limited to:

• SBA Loan Eligibility Review: Maintain and Review SBA Express loan applications and supporting documentation to determine eligibility under SBA SOP requirements, program guidelines and Bank policies
• Loan Application Processing: Process loan applications from submission through commitment, ensuring completeness, accuracy and adherence to established service level agreements.
• Credit Analysis & Financial Review: Analyze borrower financial statements, tax returns, cash flow trends, debt service capacity, leverage, liquidity and overall creditworthiness to support lending decisions.
• Credit Risk Assessment: Identify potential credit concerns, adverse trends, policy exceptions, and risk factors requiring escalation to lending or credit partners
• Due Diligence & Documentation Review: Validate receipt of complete loan packages, verify supporting documentation, conduct due diligence reviews, and ensure documentation meets SBA and Bank requirements
• Credit Score Verification: Review and validate Experian Blended Scores and other applicable credit metrics to ensure alignment with SBA Express program requirements.
• Stakeholder management: Collaborate with internal partners to facilitate efficient loan processing and exceptional customer experience
• Maintain accurate records and update applicable banking systems throughout the loan origination process.
• Portfolio Monitoring: Support post-booking monitoring activities, including tracking reporting requirements, identifying early warning indicators, and monitoring borrower performance trends.
• Compliance & Quality Assurance: Ensure all loan requests comply with SBA SOP, internal credit policies, regulatory requirements and operational procedures while maintaining a high degree of accuracy and quality
• Management Reporting: Support in Preparing recurring and ad-hoc reports related to loan volume, pipeline status, credit quality trends and processing metrics
• Issue Identification & Escalation: Proactively identify and escalate issues that may impact loan eligibility, approval decisions, processing timelines, or portfolio quality.
• Process Improvement: Contribute to continuous improvement initiatives that enhance efficiency, standardization, customer experience, and operational controls.
• Reporting Tasks Monitoring: Monitor and track monthly/quarterly reporting packages (arriving from US counterparts) to check for completeness of client information on the portal.

Skills and Qualification

Functional Skills:

• Hands-on experience on commercial lending, SBA lending programs and credit risk principles.
• Experience reviewing loan applications, financial statements, tax returns, and supporting credit documentation.
• Strong knowledge of corporate lending products, credit documentation and financial statement analysis.
• Broad understanding of the lending lifecycle and U.S. Commercial Real Estate market trends
• Ability to identify and escalate potential credit, operational, and compliance risks.
• High level of ownership and self-drive towards proactive portfolio risk management.
• Exceptional attention to detail, organizational skills and ability to manage multiple priorities in a high-volume environment.
• 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).
• Experience: 1-3 years of experience in commercial lending, SBA lending, credit analysis, underwriting support, loan operations, or portfolio monitoring
• Exposure to US accounting, GAAP, and IFRS
• Working knowledge of commercial lending documentation preferred.
• Experience using lending platforms and banking applications such as BOSS, Spark, Moody's CreditLens or similar systems.
• Proficiency in MS Excel and financial analysis tools; familiarity with SQL, Power BI, Tableau is an advantage.

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, interpersonal and teamwork skills.

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.