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) / CFAExperience of 3-12 years in spreading and covenant monitoringStrong understanding of credit principles, policies, and regulationsProficient in Advanced MS ExcelExcellent written and spoken communication skillsExperience of working for a US based bank will be an added advantageLocation: Bangalore.

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