Credit Analyst-covenant monitoring

•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

Key competencies

•MBA (Finance) / CA (CPA equivalent) / CFA

•Experience of 3-12 years in spreading and covenant monitoring

•Strong 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

Acuity

Location : Bangalore