Credit Apprentice - 2026

FC Global Services India LLP (First Citizens India), a part of First Citizens BancShares, Inc., a top 20 U.S. financial institution, is a global capability center (GCC) based in Bengaluru. Our India-based teams benefit from the company’s over 125-year legacy of strength and stability. First Citizens India is responsible for delivering value and managing risks for our lines of business. We are particularly proud of our strong, relationship-driven culture and our long-term approach, which are deeply ingrained in our talented workforce. This is evident across all key areas of our operations, including Technology, Enterprise Operations, Finance, Cybersecurity, Risk Management, and Credit Administration. We are seeking talented individuals to join us in our mission of providing solutions fit for our clients’ greatest ambitions.

Job Description:

Value Preposition
At First Citizens India, you’ll have the opportunity to be more than just an analyst, you’ll be a trusted partner in safeguarding the Bank’s credit portfolio.
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Global Exposure: Collaborate directly with Senior Credit and Risk professionals in the U.S., gaining insights into global credit practices.
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Impactful Work: Play a critical role in monitoring a multi-billion-dollar credit portfolio, helping the Bank stay resilient and client-centric.
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Career Growth: Build your expertise in Credit analysis while having access to structured learning, mentorship, and opportunities to move into leadership roles.
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Innovation at Scale: Be part of a team driving process improvement and technology adoption in Credit monitoring.
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Culture of Stability & Growth: Join a Bank that has thrived for over 125 years, balancing stability with continuous growth and innovation.
Job Details
Position Title: Portfolio Monitoring Support Analyst - Credit Analysis
Career Level: NA
Job Category: Apprentice
Role Type: On Site, office 5 days a week, no remote work option available
Job Location: Bangalore
About the Team:
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, Global Fund Banking, Commercial Real Estate (CRE), Healthcare – Medical Office Building (MOB), Wine, and Community Development Finance (CDF) loans monitoring across Innovation Banking, Commercial Finance and General Bank. Additionally, the team supports the Centralized Cash Management Team (CCMT). Team works closely with Credit Solutions team members and Portfolio Managers to perform monthly, quarterly & annual monitoring of the loans.
Impact
As a Portfolio Monitoring Support Analyst in the Credit Analysis team at First Citizens India, you will play a pivotal role in safeguarding the Bank’s credit quality and supporting informed lending decisions and ensuring adherence to internal and external regulations.
This role is critical to enabling the Bank to make confident lending decisions, manage risks effectively, and maintain trusted relationships with clients.
Key responsibilities that drive Assurance:
Internal
Ensuring Compliance & Quality Assurance: Performing necessary process checks on task executed by the Credit Analysis team to ensure they are fully compliant with all internal policies.
Facilitating Communication: Reviewing emails and official correspondence to ensure clarity, accuracy and professional representation of the Bank’s position.
Delivery Actionable Insights: Prepare recurring and ad-hoc reports to provide insights into team performance, timeliness, and key trends.
Key Deliverables (Duties and Responsibilities)
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Ensuring Compliance & Quality Assurance: Performing necessary process checks on task executed by the Credit Analysis team to ensure they are fully compliant with all internal policies.
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Facilitating Communication: Reviewing emails and official correspondence to ensure clarity, accuracy and professional representation of the Bank’s position.
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Delivery Actionable Insights: Sharing regular updates with Credit Analysis leadership team on process adherence and timely completion of assigned activities.
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Maintain large data set with accuracy and continuity ensuring completeness and accuracy of data reporting using MS Excel.
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Collaborate within and outside the Credit Analysis team to gather relevant information, as required
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Reporting & MIS: Prepare recurring and ad-hoc reports to provide insights into team performance, timeliness, and key trends.
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Create visually compelling presentations using MS PowerPoint, MS Power BI or other similar visualization tools.
Skills and Qualification (Functional and Technical Skills)
Educational Qualification-
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Bachelor’s degree in commerce
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Basic understanding of the commercial loan/lending lifecycle, BFSI market trends, corporate lending products, and financial statement analysis.
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Proficiency with Microsoft Office products (Excel, Word, Access); spreadsheet modeling experience is a plus.
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Excellent analytical, communication, and stakeholder management skills.
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Ability to work independently while being an active team contributor.
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Efficient and well organized, able to work under tight deadlines
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Outstanding attention to detail, accuracy, and ability to multitask
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Exposure to US accounting, GAAP, and IFRS
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Experience in the banking/lending industry
Functional Skills:
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Attention to Detail: Ensure accuracy and thoroughness in all tasks, ensure the Analyst maintains the required quality in their review process
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Communication: Strong verbal, written, and interpersonal communication skills
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Team Player: Support peers and department management.
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Problem Solving: perform root cause analysis, quickly detect issues in data and be able to fix them
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Effective Time Management – Strong emphasis on managing the tasks as per standard timelines.

Equal Employment Opportunity

FC Global Services India LLP (First Citizens India) is an Equal Employment Opportunity Employer. We are committed to fostering an inclusive and accessible environment and prohibit all forms of discrimination on the basis of gender, religion, caste, disability, sexual orientation, economic status or any other characteristics protected by the law. We strive to foster a safe and respectful environment in which all individuals are treated with respect and dignity. Our EEO policy ensures fairness throughout the employee life cycle.