Manager - 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: Manager, Credit Analysis SBA
Job Category: Manager
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 Manager in the SBA Support team at First Citizens India, you will lead a team of credit professionals responsible for supporting the Bank's SBA Express lending program and ensuring the delivery of high-quality credit analysis, loan eligibility reviews, and operational support. You will play a critical role in enabling sound lending decisions, maintaining portfolio quality, and ensuring adherence to SBA guidelines, Bank policies, and risk management standards.

Key Deliverables

As a Senior 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:

• Provide oversight and guidance on complex SBA Express loan applications, credit analysis reviews, and eligibility assessments.
• Review exception requests, unusual credit situations, and elevated risk transactions requiring management judgment or escalation.
• Ensure consistent application of SBA SOP requirements, underwriting standards, and Bank credit policies across the team.
• Oversee the end-to-end SBA Express loan support process, including application intake, eligibility verification, credit analysis support, documentation review, and loan processing activities.
• 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: Act as the primary point of contact for U.S.-based SBA Lending Specialists, Business Bankers, Credit Officers, and Operations partners.
• Collaborate with internal partners to facilitate efficient loan processing and an exceptional customer experience.
• Ensure appropriate workload distribution, resource planning, and capacity management to meet business objectives and service level commitments.
• Partner with key stakeholders to resolve escalations, address operational challenges, and improve service delivery.
• 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: Prepare 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.
• Training & Mentorship: Support onboarding and mentoring of junior analysts by sharing process knowledge and best practices.

Skills and Qualification Functional Skills:

• Deep understanding of commercial lending, SBA lending programs, credit risk assessment, and loan operations.
• Demonstrated experience leading teams performing credit analysis, underwriting support, portfolio monitoring or lending operations.
• 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.
• Experience managing service delivery, productivity, quality, and operational performance metrics.
• 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 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: 6-10 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 SBA SOP requirements and 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.