Manager - Credit Analysis
First Citizens India (company site, opens in a new tab)6–10 yrsBengaluruOn-siteDirect career pageEst. 12–20 LPA
Posted 1d ago
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Job description
Structured overview of role & requirements
About This Role
- Lead and manage the SBA Express credit analysis support team, overseeing end-to-end loan application intake, eligibility verification, credit analysis, documentation review, and processing.
- Ensure adherence to SBA SOP, Bank credit policies, and risk management standards while maintaining portfolio quality and supporting operational excellence.
- Collaborate with U.S.-based lending, SBA, credit, and operations teams to drive process improvements, portfolio monitoring, and support business growth objectives.
Minimum Requirements
- 6-10 years of experience in commercial lending, SBA lending, credit analysis, underwriting support, loan operations, or portfolio monitoring.
- Bachelor’s degree in commerce or MBA (Finance) required; Chartered Accountant / CFA / equivalent qualifications are a plus.
- Strong knowledge of SBA SOP requirements, commercial lending documentation, credit risk assessment, and U.S. accounting standards (GAAP, IFRS) preferred.
- Role requires flexibility for shift timings (2 pm – 11 pm) and is based in Bengaluru, Karnataka with a hybrid work model.
Ideal Candidate Profile
- Experienced credit risk professional with strong expertise in SBA lending and U.S. commercial credit analysis, capable of managing complex credit portfolios and exceptions.
- Effective at stakeholder management, collaborating across US and India teams to ensure timely loan processing and portfolio monitoring.
- Skilled in process improvement and operational management within high-volume loan processing environments, with focus on compliance and risk mitigation.