Senior Analyst - Credit Underwriting
First Citizens India (company site, opens in a new tab)6+ yrsBengaluruOn-siteDirect career pageEst. 12–20 LPA
Posted 14h ago
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Job description
Structured overview of role & requirements
About This Role
- Underwrite and assess credit risk for new and existing commercial cash management product accounts, including business credit cards, ACH, letters of credit, and FX products.
- Independently monitor and manage an assigned portfolio to ensure credit quality and timely risk mitigation actions following regulatory requirements.
- Prepare detailed credit presentations with recommendations, collaborating closely with relationship managers, underwriting managers, and senior credit officers.
Minimum Requirements
- Bachelor’s degree in commerce or MBA (Finance); Chartered Accountant/CFA is a plus but not mandatory.
- Minimum 6+ years of direct relevant experience in credit underwriting within banks, NBFCs, or financial services firms.
- Strong knowledge of commercial lending products, financial statement analysis, and relevant banking regulations (Reg B, Reg O, Reg W, ECOA, etc).
- Ability to work in Bengaluru in a hybrid role and flexible with shift timings (2 pm to 11 pm).
Ideal Candidate Profile
- Experienced credit underwriting professional skilled in assessing commercial credit risk and managing credit portfolios independently.
- Familiar with commercial cash management products and related risk management in a regulated banking environment.
- Strong analytical, business writing, and stakeholder management skills to effectively communicate credit recommendations and collaborate across teams.