Analyst - 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

About The Team

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, Global Fund Banking, Commercial Real Estate (CRE), Healthcare – Medical Office Building (MOB), Wine, and Community Development Finance (CDF) loans monitoring across Innovation Banking, Commercial Finance and General Bank. Additionally, the team supports the Centralized Cash Management Team (CCMT). Team works closely with Credit Solutions team members and Portfolio Managers to perform monthly, quarterly & annual monitoring of the loans.

Impact

As an Analyst in the Credit Analysis team at First Citizens India, you will play a pivotal role in safeguarding the Bank's credit quality and supporting informed lending decisions. This role is critical to enabling the Bank to make confident lending decisions, manage risks effectively, and maintain trusted relationships with clients. In this role, you will Leverage tools such as Moody's Credit Lens, and other commercial lending platforms to deliver accurate, timely, and actionable insights.

You'll Partner with Global Credit teams to ensure Risk management and strengthen Portfolio performance.

Key Deliverables

As an Analyst – Credit Analysis, you will play a critical role in supporting the ongoing management of Bank's Credit portfolio. You will work closely with U.S. based Credit Officers, Portfolio Managers, and other stakeholders to deliver high quality analysis and monitoring insights that help safeguard the Bank's Credit exposure while ensuring client success.

General Functions May Include, But Are Not Limited To

Functional Skills

Skills and Qualification

Technical Skills

Relationships & Collaboration

The role involves working with the Credit Analysis team, reporting to the Credit Analysis Manager. This role will have a comprehensive training across credit analysis processes, owning and managing an independent portfolio and collaboration with the lending team and other stakeholders. This role also requires strong communication and teamwork skills are essential.

Accessibility Needs

We are committed to providing an inclusive and accessible hiring process. If you require accommodations 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.

Skills Required

Ms Excel, Power Bi, credit reporting , Tableau, Financial Statement Analysis, Credit Analysis, Sql