Banking Operations Analyst

Skill required: Ret.Bkg- Credit UW - Retail Banking Operations
Designation: Banking Operations Analyst
Qualifications:Any Graduation
Years of Experience:5 to 7 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 699,000 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? You will be aligned to our Financial Services and banking sector by helping the client on lending Residential Mortgages to qualified borrowers. The role of a US mortgage underwriter involves assessing and evaluating mortgage loan applications to determine their eligibility for approval. The mortgage team focuses on lending home mortgages to the qualified borrowers by complete validation of required documents. The role requires a good understanding of credit analysis, financial analysis, onshore collaboration, and document evaluations. - -
What are we looking for? • Ability to work well in team. • Commitment to quality • Excellent analytical and problem-solving skills • Detail orientation. • Excellent communication and interpersonal skills, with the ability to build rapport with clients and colleagues. • Proficiency in mortgage origination software and MS Office suite. -
Roles and Responsibilities: • Well-Versed with all 4’cs of Underwriting (Asset, Income, Credit & Collateral) • Evaluate loan application submitted by borrower, including reviewing their credit histories, income documentation , employment history. • Assess the risk associated with each mortgage application, considering factors such as the borrower’s credit score, debt to income ratio, loan to value ratio and property appraisal. • Perform the quality control checks on approved loans to ensure accuracy and compliance with underwriting guidelines and regulations. • Saty updated on industry trends, regulatory changes, and underwriting guidelines to maintain a high level of expertise and ensure compliance. • Effectively communicate underwriting decisions with processors and advisors. • Please note that this role may require to work in night shift.