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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 - Robust 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. .