Senior Analyst – Credit Analysis SBA

Overview

Senior Analyst, Credit Analysis SBA, supporting the SBA Express lending lifecycle at First Citizens India in Bengaluru, working closely with U.S.-based bankers, SBA specialists and credit officers.

What you'll do

• Maintain and 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 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.
• Validate 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 against SBA Express program requirements.
• Serve as primary point of contact for bankers on application requirements, documentation needs, loan status and next steps.
• Maintain accurate records and update applicable banking systems throughout loan origination.
• Support post-booking monitoring, including tracking reporting requirements, early warning indicators and borrower performance trends.
• Ensure loan requests comply with SBA SOP, internal credit policies, regulatory requirements and operational procedures.
• Prepare recurring and ad-hoc reports on 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 process improvement initiatives that enhance efficiency, standardization, customer experience and operational controls.
• Support onboarding and mentoring of junior analysts by sharing process knowledge and best practices.
• Monitor and track monthly and quarterly reporting packages arriving from U.S. counterparts for completeness of client information on the portal.

What you'll need

• 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).
• Bachelor's degree in commerce or MBA (Finance).
• 3-5 years of experience in commercial lending, SBA lending, credit analysis, underwriting support, loan operations or portfolio monitoring.

Nice to have

• Chartered Accountant, CFA or equivalent qualifications.
• Exposure to US accounting, GAAP and IFRS.
• Working knowledge of SBA SOP requirements and commercial lending documentation.
• 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 and Tableau.

Details

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