Analyst - Credit Analysis

SIG - India Global Delivery Center; Bengaluru; Hybrid; INR 800,000 - 1,200,000; Full time

Job summary

FC Global Services India LLP (First Citizens India) in Bengaluru seeks an Analyst for Credit Analysis SBA to support the SBA Express loan lifecycle. You will collaborate with U.S.-based teams to assess creditworthiness, process applications, and ensure policy compliance while contributing to risk management and portfolio monitoring.

The role offers hybrid work arrangements and growth opportunities within a 125-year legacy institution focused on stability and client service excellence.

Responsibilities

• As an Analyst in SBA Express Credit Analysis & Sales Support, you will support the end-to-end SBA Express loan lifecycle.
• You will evaluate borrower creditworthiness and analyze financial information.
• You will work with U.S.-based lenders and credit teams to ensure timely loan processing and compliance with SBA guidelines.

Job description

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: Analyst, Credit Analysis SBA

Career Level: P1

Job Category: Associate

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 an Analyst in the SBA Express Credit Analysis & Sales Support team at First Citizens India, you will play a pivotal role in supporting small business lending while safeguarding the Bank's credit quality. This role is critical to enabling informed lending decisions, managing portfolio risk, and delivering exceptional experience for bankers and clients. You will combine credit analysis, loan eligibility assessment, sales support, and loan processing responsibilities to support the end-to-end SBA Express lending lifecycle.

The position serves as a key partner to Business Bankers, SBA Lending Specialists, Credit Officers, and Operations teams by providing analytical insights, underwriting support, and operational guidance throughout the loan lifecycle. Leveraging internal lending platforms, credit systems and financial analysis tools, you will evaluate borrower creditworthiness, analyze financial information, monitor risk indicators, and ensure compliance with SBA program requirements and Bank policies. 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 an 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:

• 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.