Senior Analyst - Credit Underwriting

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:  Senior Analyst - Credit Underwriting
• Career Level: P2
• Job Category: Senior Associate
• Role Type: Hybrid
• Job Location: Bengaluru, Karnataka

 About the Team:

We are a diverse and highly skilled team of Credit professionals, experienced in Origination, Underwriting, and end-to-end Portfolio Monitoring.

To align with our strategic plans to grow and centralize the underwriting and portfolio management of our cash management product portfolio which includes business credit cards, ACH, letters of credit and FX products, we are adding key underwriting roles to our team. We are looking for the right individual to contribute to this exciting opportunity by supporting some of the most influential entrepreneurs and investors to launch and grow their business.  We serve companies in the innovation space including technology, software, fintech, life science, as well as premium wine clients.

Impact

The core responsibility of this position is to underwrite, identify and mitigate credit risk while supporting the bank’s commercial cash management product growth initiatives. This includes contributing to monitoring and risk management of the full credit risk life cycle, including assessing the credit worthiness of the bank’s new and existing clients, monitoring and performing regular reviews on established performing accounts, as well as recommending and documenting risk mitigation action on credit stressed accounts.

This individual will underwrite and prepare detailed credit presentations on cash management products based on established bank credit policies and procedures. They will work and collaborate closely with relationship managers, underwriting managers, and senior credit officers to underwrite, prepare, and present credit action recommendations on new and existing accounts. They may also manage and monitor an assigned portfolio of cash management accounts to ensure all documentation is up to date, and if necessary, any potential risk mitigation action is promptly taken.

Key Deliverables

As a Senior Analyst – Credit Underwriting, you will play a critical role in Independently conduct and/or assist with underwriting due diligence, structuring and documenting of credit recommendations on new and existing case requests for standard credits

General functions may include, but are not limited to:

• Independently monitor assigned cash management product portfolio’s credit quality to ensure proactive and timely risk mitigation action when necessary
• Prepare thorough and clearly articulated credit presentations with thoughtful and appropriate recommendations following established credit policies and procedures
• Effectively communicate and collaborate with relationship managers, underwriting managers, and senior credit officers
• Ensure compliance with relevant banking regulations including but not limited to reg B, reg O, reg W and other fair lending Regulations

Skills and Qualification:

Functional Skills: 

• Hands-on experience in Credit underwriting.Strong knowledge of commercial lending products and financial statement analysis.
• High level of ownership and self-drive towards proactive portfolio risk managementExcellent 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.
• Outstanding attention to detail, accuracy, and ability to multitaskAbility 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+ years of direct relevant work experience in a bank, NBFC, or financial services firm.
• Working knowledge of commercial financial statement analysis, portfolio management, banking cash management productsKnowledge and understanding of relevant banking regulations including but not limited to reg B, reg O, reg W, ECOA and other fair lending regulations
• Strong business writing skillsStrong professional communication and collaboration skills
• Ability to multi-task, manage and track numerous cases at a time
• Ability to learn and quickly digest new information in a continuously changing fast paced environment

Relationships & Collaboration 

This role involves working with the Credit Underwriting team, reporting to the Credit Underwriting Manager. This role will have comprehensive training across credit underwriting 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.