Key responsibilitiesCovenant Monitoring & ComplianceMonitor 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 & AnalysisConduct 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 & DocumentationMaintain 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 docKey competenciesMBA (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