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
• •Career Level: L1
• •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.

The Small Business Administration (SBA) Express Credit Analysis & Sales Support team supports the Bank's SBA Express lending program by facilitating efficient loan origination, underwriting support, eligibility reviews, and credit analysis activities. The team works closely with U.S.-based bankers, SBA specialists, credit officers and operations partners to ensure timely loan processing while maintaining adherence to SBA guidelines, Bank policies and risk management standards

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.

This role combines people leadership, credit risk oversight, operational management, and stakeholder engagement responsibilities. You will oversee the end-to-end SBA Express support function, drive process excellence, monitor performance and service levels, and partner closely with U.S.-based lending, SBA, credit, and operations teams to support business growth while maintaining strong risk and control practices.

You will also partner closely with U.S.-based lending, credit and operations teams to strengthen portfolio performance, drive process efficiency and support the Bank’s growth objectives

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
• •Reporting Tasks Monitoring: Monitor emerging credit trends, portfolio risks, and process weaknesses, recommending risk mitigation actions where appropriateundefined

Skills and Qualification Functional Skills:

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