Job DescriptionKey responsibilities Nn Covenant Monitoring & Compliance N Monitor financial and non-financial covenants for assigned loan portfolios. N Review borrower-submitted financial statements, compliance certificates, and other required documentation. N Calculate financial covenant ratios and assess compliance against agreed thresholds. N Track covenant due dates and ensure timely receipt of borrower information. N Identify, investigate, and document covenant breaches or potential exceptions. N Risk Assessment & Analysis N Conduct variance analysis and identify early warning signals. N Escalate covenant breaches, waivers, amendments, and high-risk observations to relevant stakeholders. N Support credit risk teams in evaluating covenant-related findings. N Reporting & Documentation N Maintain accurate covenant monitoring systems and databases.
N Prepare periodic compliance reports, exception reports, and management dashboards. N Ensure proper documentation of covenant reviews, calculations, and approvals. N Support internal and external audits by providing required doc NnKey competencies Nn MBA (Finance) / CA (CPA equivalent) / CFA N Experience of 3-12 years in spreading and covenant monitoring N Solid understanding ofcredit principles, policies, and regulations N Proficient in Advanced MS Excel N Excellent written and spoken communication skills N Experience of working for a US based bank will be an added advantage NnLocation: Bangalore.