Skill required:
Commercial Banking Operations - Core Banking
Designation:
Banking Operations Specialist
Qualifications:
Any Graduation
Years of Experience:
7 to 11 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?
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. The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business. Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management.
What are we looking for?
Analyzing risk, ensuring sound financial decisions, and safeguarding profitability. Having a complete understanding commercial banking operations including financial performance, covenant analysis, testing covenants, reported or working on monitoring covenants and borrowing base regularly, guarantors performance, collateral support, risk and mitigations associated with the borrower and other risk factors. Required to understand Complex Documentation such as loan agreement, audit report and legal language. To ensure that all loan/policy applications and files are complete and accurate. Experience on commercial loan quality control is an added advantage.
- covenant analysis, testing covenants, reported or working on monitoring covenants and borrowing base regularly.
- 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 moderately complex problems
- May create new solutions, leveraging and, where needed, adapting existing methods and procedures
- The person would require understanding of the strategic direction set by senior management as it relates to team goals
- Primary upward interaction is with direct supervisor
- May interact with peers and/or management levels at a client and/or within Accenture
- Guidance would be provided when determining methods and procedures on new assignments
- Decisions made by you will often impact the team in which they reside
- Individual would manage small teams and/or work efforts (if in an individual contributor role) at a client or within Accenture
- Please note that this role may require you to work in rotational shifts
