Analyst - Credit Analysis

Company Overview

FC Global Services India LLP (First Citizens India), a part of First Citizens BancShares, Inc., 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.

Position Summary

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.

Key Responsibilities

• Support ongoing monitoring of assigned credit portfolio to identify potential risks and ensure compliance with Loan agreement and risk policies.
• Monitor and track monthly/quarterly reporting packages (arriving from US counterparts) to check for completeness of client information on the portal.
• 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.
• Spread and analyze financial statements of borrowers in Moody’s CreditLens, identifying key trends, risks, and opportunities.
• Track borrower compliance with financial and non-financial covenants, raising early alerts on potential breaches.
• Perform accurate and timely borrowing base calculations, ensuring alignment with loan documentation and lending practices.
• Prepare recurring and ad-hoc reports to provide insights into portfolio performance, sectoral trends, and emerging risks.
• Support early identification of problem credits through financial deterioration, covenant breaches, or industry headwinds.
• Partner with U.S. stakeholders across Credit, and Operations to ensure consistent standards, accuracy, and timeliness in deliverables.
• Contribute ideas to enhance automation, standardization, and efficiency in portfolio monitoring processes.
• 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.

Preferred Qualifications

• Exposure to US accounting, GAAP, and IFRS
• Proficiency in MS Excel and financial analysis tools; familiarity with SQL, Power BI, Tableau is an advantage.

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