Skill required:
Com.Bkg- Credit UW - Commercial Credit Underwriting
Designation:
Banking Advisory Analyst
Qualifications:
Any Graduation
Years of Experience:
3 to 5 years
About Accenture
Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 784,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com
What would you do?
We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model. Com.Bkg- Credit UW stands for Commercial Banking Credit Underwriting. It involves evaluating the creditworthiness of businesses applying for loans or credit. This process includes analyzing financial statements, assessing risk, and determining the terms of the credit. The goal is to ensure that the bank makes sound lending decisions while minimizing risk. Credit underwriters play a crucial role in maintaining the financial health of the bank. The Credit Lending processes includes initial set up of loan, detailed analysis of financials, setting covenants, analyzing the accounts receivable for borrowing base calculation for working capital line of credit, drafting a detailed credit memoranda by a detailed analysis of 5 Cs of Credit - Character, Capacity, Collateral, Capital and Current Market Conditions. Conduct detailed research on the financial history of businesses to determine their creditworthiness. Assess the risk parameters of the loan, borrower, and industry including the Financial performance of the borrower and guarantor, assessing the repayment capacity and recommending the future course of action in approving/declining/counter offer of business loans.
What are we looking for?
- Should be able to review the US financial statements of the borrowers/guarantors, calculate/interpret the financial ratios.
- Understand and Analyze the company / borrower performance based on financials, cashflow, and other secondary information
- Understand the type of facilities and exposure of the borrower to asses the Loss Given Default and the Probability of Default. Should have knowledge of financials ratios impact on the overall performance.
- Ability to summarize borrower, financials, cashflow. Industry performance details in a clear and crisp way
- Identify the Risk associated with the borrower / company and mention it accordingly in the review along with the possible mitigants with justification.
- Performing assignments/deals/tasks of moderate complexity
- Working with limited supervision, Performing tasks with some degree of independent decision making, Ability to take judgment calls
- Contributes to cycle time improvement and efficiency of the team
- Communicating in correct English with clients, both orally and written. Analytically sound to take decisions on effectiveness of Controls. Advanced Proficiency required in English Language to create documentation.
- Should be able to review the US financial statements of the borrowers/guarantors, calculate/interpret the financial ratios.
- Understand and Analyze the company / borrower performance based on financials, cashflow, and other secondary information
- Understand the type of facilities and exposure of the borrower to asses the Loss Given Default and the Probability of Default. Should have knowledge of financials ratios impact on the overall performance.
- Ability to summarize borrower, financials, cashflow. Industry performance details in a clear and crisp way
- Identify the Risk associated with the borrower / company and mention it accordingly in the review along with the possible mitigants with justification.
- Performing assignments/deals/tasks of moderate complexity
- Working with limited supervision, Performing tasks with some degree of independent decision making, Ability to take judgment calls
- Contributes to cycle time improvement and efficiency of the team
- Communicating in correct English with clients, both orally and written. Analytically sound to take decisions on effectiveness of Controls. Advanced Proficiency required in English Language to create documentation.
- Roles and Responsibilities:
- In this role you are required to do analysis and solving of lower-complexity problems
- Your day to day interaction is with peers within Accenture before updating supervisors
- In this role you may have limited exposure with clients and/or Accenture management
- You will be given moderate level instruction on daily work tasks and detailed instructions on new assignments
- The decisions you make impact your own work and may impact the work of others
- You will be an individual contributor as a part of a team, with a focused scope of work
- Please note that this role may require you to work in rotational shifts
