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
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.

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.

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.

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.

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.

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.