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
Solid 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 (Vasanthanagar)
🏢 Acuity Analytics
📍 Vasanthanagar