Analyst - Credit Analysis

Overview

Analyst role in the SBA Express Credit Analysis & Sales Support team at First Citizens India, supporting SBA Express loan origination, eligibility review, credit analysis and portfolio monitoring for U.S.-based bankers and credit teams.

What you'll do

• Review SBA Express loan applications and supporting documentation to determine eligibility under SBA SOP requirements, program guidelines and Bank policies.
• Process loan applications from submission through commitment, ensuring completeness, accuracy and adherence to established service level agreements.
• Analyze borrower financial statements, tax returns, cash flow trends, debt service capacity, leverage, liquidity and overall creditworthiness to support lending decisions.
• Identify potential credit concerns, adverse trends, policy exceptions and risk factors requiring escalation to lending or credit partners.
• Validate receipt of complete loan packages, verify supporting documentation, conduct due diligence reviews, and ensure documentation meets SBA and Bank requirements.
• Review and validate Experian Blended Scores and other applicable credit metrics to ensure alignment with SBA Express program requirements.
• 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.
• Support post-booking monitoring, including tracking reporting requirements, identifying early warning indicators, and monitoring borrower performance trends.
• Ensure all loan requests comply with SBA SOP, internal credit policies, regulatory requirements and operational procedures.
• Support preparation of recurring and ad-hoc reports related to loan volume, pipeline status, credit quality trends and processing metrics.
• Proactively identify and escalate issues that may impact loan eligibility, approval decisions, processing timelines, or portfolio quality.
• Contribute to continuous improvement initiatives that enhance efficiency, standardization, customer experience, and operational controls.
• Monitor and track monthly/quarterly reporting packages arriving from US counterparts to check for completeness of client information on the portal.

What you'll need

• Bachelor's degree in commerce or MBA (Finance).
• 1-3 years of experience in commercial lending, SBA lending, credit analysis, underwriting support, loan operations, or portfolio monitoring.
• Hands-on experience in 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.
• Ability to be flexible with shift timings (2 pm – 11 pm).
• Proficiency in MS Excel and financial analysis tools.

Nice to have

• Exposure to US accounting, GAAP, and IFRS.
• Working knowledge of commercial lending documentation.
• Experience using lending platforms and banking applications such as BOSS, Spark, Moody's CreditLens or similar systems.
• Familiarity with SQL, Power BI, Tableau.

Details

• Location: Bengaluru, Karnataka, India.
• Work mode: Hybrid.
• Shift timings: 2 pm – 11 pm.
• Reports to the Credit Analysis Manager.