Key responsibilities

- Covenant Monitoring & Compliance
- Monitor financial and non-financial covenants for assigned loan portfolios.
- Review borrower-submitted financial statements, compliance certificates, and other required documentation.
- Calculate financial covenant ratios and assess compliance against agreed thresholds.
- Track covenant due dates and ensure timely receipt of borrower information.
- Identify, investigate, and document covenant breaches or potential exceptions.
- Risk Assessment & Analysis
- Conduct variance analysis and identify early warning signals.
- Escalate covenant breaches, waivers, amendments, and high-risk observations to relevant stakeholders.
- Support credit risk teams in evaluating covenant-related findings.
- Reporting & Documentation
- Maintain accurate covenant monitoring systems and databases.




- Prepare periodic compliance reports, exception reports, and management dashboards.
- Ensure proper documentation of covenant reviews, calculations, and approvals.
- Support internal and external audits by providing required doc

Key competencies

- MBA (Finance) / CA (CPA equivalent) / CFA
- Experience of 3-12 years in spreading and covenant monitoring
- Robust understanding of credit principles, policies, and regulations
- Proficient in Advanced MS Excel
- Excellent written and spoken communication skills
- Experience of working for a US based bank will be an added advantage

Location: Bangalore.

📌 Credit review-Covenant Monitoring (Bengaluru)
🏢 Acuity Analytics
📍 Bengaluru