Operations Analyst II (Commercial Lending)

Join our team at SVB Global Services India LLP hereinafter referred to as First Citizens India– an organization that has built a legacy of strength, stability and long-term thinking that has spanned generations. Our parent company, First Citizens BancShares, Inc. is a top 20 U.S. financial institution with more than $200 billion in assets and a member of the Fortune 500™.

Situated in the vibrant city of Bengaluru, we play a crucial role in driving the success of our parent company and its subsidiaries.

At First Citizens India, our team brings together diverse backgrounds and rich experiences to deliver excellence across key business functions. Our commitment to innovation and collaboration makes us the preferred partner in navigating the dynamic and fast-growing digital landscape.  We believe in diverse, equitable and inclusive working environment because we understand that when all our differences converge, we create a synergy that enhances associate and customer relationships and drives innovation of our products and services.

About the Job:

Responsible for processing expertise when performing the department’s daily operational tasks and when providing operational support to internal business partners and/or Clients.  Responsibilities may include but are not limited to establishing and ongoing maintenance of accounts, loans, and/or cards; managing exceptions for several payment channels; researching or reconciling complex information; and routinely acts as a point of escalation.  Accountable for performing assigned functions efficiently while ensuring all regulations, procedures, and polices are adhered to.  Acts as a resource and routinely recommends potential improvements in execution.  Provides helps to ensure the day to day functions are carried out according to policies and procedures.

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Performs assigned activities required to support Global Operations. Works independently and has proven expertise that is applied to the essential functions.  Uses knowledge or resources to resolve complex issues; seldom encounters issues requiring customer concern. General operations functions may include, but are not limited to:

• Tracking, verifying, and/or inputting information
• Reviewing accuracy/scrutinizing of information or loan documents 
• Preparing reports
• Analyzing and researching items for resolution
• Processing transactions or resolving exceptions
• Provides daily loan maintenance to support client’s needs after the loan is boarded
• Performs advance requests and have a clear understand of International Money Transfers, FED, DDA, etc.
• Capable of processing and review of Interest changes, commitment amount, fees, etc.
• Applies collections to client’s loans
• Reviews loan documents
• Responsible for onboarding and maintaining client loans on multiple loan systems
• Prepare payment schedules and post payments to loan system
• Performs quality assurance
• Handles Letters of Credit boarding and maintenance
• Performs governance activities
• Provide client support and training
• Handle fee logs/Review Control Reports
• Completing and overseeing daily checklist ensuring all controls, procedures and processes relating to the assigned functions are followed
• Proactively handling operational risk inherent in business
• Ensuring all operational risk/issues are identified and mitigated appropriately and proactively
• Delivering transactions in agreed time - frames, as per SLA’s whilst improving quality of processing, reducing errors and inculcating the zero-error culture

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Builds relationships with teams/partners and other internal clients and collaborates to resolve issues.  Recommends potential process improvements.  Special Projects as assigned by management.

Recommends potential improvements in execution. Special Projects as assigned by management and provide excellent service and support

Participates in meetings, coaching and other duties as assigned by management

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What You’ll Bring:

• Proven expertise of bank products, loan systems (Loan IQ/ACBS/Flexcube etc.) regulations, processes and procedures; may require expertise of more than one group of operational functions
• Demonstrated Commercial Lending Operations experience which includes, but is not limited to the Boarding, Funding and Servicing of Commercial Loans
• Demonstrated knowledge of the associated processes, procedures, controls, and documentation associated with Commercial Loans​
• Strong ability to multi-task, handle high volumes, and support cross-functional teams
• Excellent written and verbal communication skills with ability to convey information
• Proficient at independently researching and solving complex scenarios
• Solid networking skills, strong ability to establish relationships with internal clients. Strong attention to detail
• Critical thinking with the awareness to know when to challenge or question
• Able to work in a transforming environment and be an ambassador for change
• Skills for following process and procedures
• Able to act as a Subject Matter Expert and leader for less experienced team members and work independently with Business Partners as a SME on projects and initiatives as assigned

Education and Experience

• Bachelor’s Degree (preferably commerce)
• 4-7 years of related professional experience (banking/financial services industry, specifically commercial lending operations experience)

Equal Employment Opportunity

SVB Global Services India LLP hereinafter referred to as First Citizens India is an Equal Employment Opportunity Employer. We are committed to fostering an inclusive, equitable 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 covers all employment processes such as recruitment, hiring, compensation, benefits, promotions, learning opportunities, and other applicable employment terms for all qualified applicants and employees.