Covenant Monitoring Analyst/Senior Analyst

Company overview

Crisil Integral IQ delivers solutions and analytics to top financial institutions, driving strategic transformation, risk optimization, and operational excellence. Our offerings span research, risk, lending, analytics, and operations, empowering clients to navigate complex markets, mitigate risks, and unlock new opportunities. With domain expertise, innovative solutions, and future-ready technologies such as AI and data science, we serve a globally diverse workforce across the Americas, Asia-Pacific, Europe, Australia, and the Middle East.

Role summary

We are seeking an experienced Covenant Monitoring Analyst/Senior Analyst to support the monitoring and management of credit facilities across the corporate lending portfolio. This role involves reviewing loan documentation, monitoring financial and non-financial covenants, identifying early warning signals, supporting system implementation initiatives, and ensuring accurate credit risk reporting.

Key responsibilities

Assist in requirement gathering for covenant monitoring system development

Support data cleansing activities for loan facilities integrated into the system

Conduct thorough testing and quality assurance to ensure system functionality, accuracy, and reliability

Assume "Maker" role in covenant monitoring system to create and test covenant trackers

Review facility documents and terms for clients

Review waivers and amendment requests from agents, borrowers, and coverage teams

Identify early warning signals from financial data and covenant compliance certificates

Oversee covenant monitoring, early-warning indicators, watchlists, and risk grading

Ensure delivery of high-quality, decision-ready portfolio and credit reporting

Required qualifications

Bachelor's degree in Finance, Accounting, Economics, Business Administration, Banking, or a related discipline

5-10 years of experience in corporate banking, credit risk, portfolio monitoring, loan administration, or covenant monitoring functions

Proven experience reviewing and interpreting loan agreements, credit agreements, and syndicated lending documentation

Experience with covenant monitoring systems and credit portfolio management tools

Exposure to corporate lending products and syndicated lending