Job Summary

As a Senior Analyst in the SBA Express Credit Analysis Sales Support team at First Citizens India, you will play a pivotal role in supporting small business lending while safeguarding the Bank's credit quality. This role is critical to enabling informed lending decisions, managing portfolio risk, and delivering exceptional experience for bankers and clients. You will combine credit analysis, loan eligibility assessment, sales support, and loan processing responsibilities to support the end-to-end SBA Express lending lifecycle. The position serves as a key partner to Business Bankers, SBA Lending Specialists, Credit Officers, and Operations teams by providing analytical insights, underwriting support, and operational guidance throughout the loan lifecycle. Leveraging internal lending platforms, credit systems, and financial analysis tools, you will evaluate borrower creditworthiness, analyze financial information, monitor risk indicators, and ensure compliance with SBA program requirements and Bank policies. You will also partner closely with US-based lending, credit and operations teams to strengthen portfolio performance, drive process efficiency and support the Bank's growth objectives.

Job Details

- Position Title: Senior Analyst, Credit Analysis SBA
- Career Level: P2
- Job Category: Senior Associate
- Role Type: Hybrid
- Job Location: Bengaluru, Karnataka

About the Team: Credit Analysis

We are a diverse and highly skilled team of Credit professionals, experienced in Origination, Underwriting, and end-to-end Portfolio Monitoring. Our team specializes in Technology Healthcare Accelerator Growth, Corporate Banking, Sponsor Finance, Fund Banking, Commercial Real Estate (CRE), Healthcare - Medical Office Building (MOB), Wine, Community Assistance Banking (CAB), and Community Development Finance (CDF) loans monitoring across Innovation Banking, Fund Banking, Commercial Finance and General Bank. Additionally, the team supports the Centralized Cash Management Team (CCMT). Team works closely with US-based Credit Solutions team, Credit Officers,



and Portfolio Managers to perform monthly, quarterly annual monitoring of the loans.

The Small Business Administration (SBA) Express Credit Analysis Sales Support team supports the Banks SBA Express lending program by facilitating effective loan origination, underwriting support, eligibility reviews, and credit analysis activities. The team works closely with U.S.-based bankers, SBA specialists, credit officers and operations partners to ensure timely loan processing while maintaining adherence to SBA guidelines, Bank policies and risk management standards

Impact

Key Deliverables

As a Senior Analyst, you will work closely with U.S.-based Business Bankers, SBA Lending Specialists, Credit Officers, and Operations teams to support the end-to-end SBA Express loan lifecycle

General functions

may include, but are not limited to:

- SBA Loan Eligibility Review: Maintain and Review SBA Express loan applications and supporting documentation to determine eligibility under SBA SOP requirements, program guidelines, and Bank policies
- Loan Application Processing: Process loan applications from submission through commitment, ensuring completeness, accuracy and adherence to established service level agreements.
- Credit Analysis Financial Review: Analyze borrower financial statements, tax returns, cash flow trends, debt service capacity, leverage, liquidity, and overall creditworthiness to support lending decisions.
- Credit Risk Assessment: Identify potential credit concerns, adverse trends, policy exceptions, and risk factors requiring escalation to lending or credit partners
- Due Diligence Documentation Review: Validate receipt of complete loan packages,



verify supporting documentation, conduct due diligence reviews, and ensure documentation meets SBA and Bank requirements
- Credit Score Verification: Review and validate Experian Blended Scores and other applicable credit metrics to ensure alignment with SBA Express program requirements.
- Stakeholder management: Serve as a primary point of contact for bankers, providing guidance on application requirements, documentation needs, loan status updates, and next steps throughout the loan process.
- Collaborate with internal partners to facilitate efficient loan processing and an exceptional customer experience
- Maintain accurate records and update applicable banking systems throughout the loan origination process.
- Portfolio Monitoring: Support post-booking monitoring activities, including tracking reporting requirements, identifying early warning indicators, and monitoring borrower performance trends.
- Compliance Quality Assurance: Ensure all loan requests comply with SBA SOP, internal credit policies, regulatory requirements, and operational procedures while maintaining a high degree of accuracy and quality
- Management Reporting: Prepare recurring and ad-hoc reports related to loan volume, pipeline status, credit quality trends, and processing metrics
- Issue Identification Escalation: Proactively identify and escalate issues that may impact loan eligibility, approval decisions, processing timelines, or portfolio quality.
- Process Improvement: Contribute to continuous improvement initiatives that enhance efficiency, standardization, customer experience, and operational controls.
- Training Mentorship: Support onboarding and mentoring of junior analysts by sharing process knowledge and best practices

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

📌 Senior Analyst - Credit Analysis SBA (Bengaluru)
🏢 First Citizens India
📍 Bengaluru