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Descripción De La Posición

Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting
Designation: Banking Advisory Associate
Qualifications:MCom/Master of Business Administration
Years of Experience:1 to 3 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? Responsible for the daily deliveries with quality to meet/exceed the agreed SLA. Ensure that Client Focus, timely delivery & Strict adherence to SOP are maintained. Backed up with good knowledge on Commercial lending & Credit Services, should be able to handle client effectively Assist the team to drive Client Value Creation, implement cutting edge solutions like RPA/Analytics and move towards Intelligent Operations. Adhere to all values & policies of Accenture and ensure that all team members follow the same. Spend time with the team members addressing their concerns/areas of improvement and create a team bonding leading the greater efficiency & commitment. 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? •• Conducting financial statement analysis, performance evaluation, and trend analysis to assess the creditworthiness of large corporate clients. • Managing client portfolios and overseeing credit rating assignments along with interim financial analysis and hygiene checks. • Performing financial data entry and analysis using Excel templates based on 10-K and 10-Q filings. • Preparing credit reports and Credit Assessment Memos (CAMs) for annual reviews, incorporating counterparty profiles, key rating factors, credit risk evaluations (including financial and peer analysis, rating rationale, and industry outlook). • Developing forecast models in Excel, including cash flow models under various scenarios—Expected case, downside case, and management case—to project financials over a five- to seven-year horizon. • Creating and analyzing enterprise valuation models to determine a company’s total value, including both equity and debt components. • Evaluating business models by identifying key strengths, weaknesses, risks, and gaining a comprehensive understanding of revenue structures and corporate organization. • Ensuring compliance with standard operating procedures and regulatory documentation requirements. •Accounting & Financial Reporting Standards •Underwriting •Banking, Financial Services •Written and verbal communication •Proven experience in credit review and appraisal, credit rating analysis, report writing, and evaluating capital structure, EBITDA, leverage ratios, and financial statements of large corporates; well-versed in cash flow models and enterprise valuation techniques. •Familiarity with third-party credit platforms like S&P Capital IQ, IBIS, and Moody’s Credit Edge will be an added advantage. •Strong communication skills, with the ability to multitask, prioritize effectively, and meet tight deadlines. •Analytical and logical thinker with a clear understanding of client requirements and expectations
Roles and Responsibilities: •In this role you are required to solve routine problems, largely through precedent and referral to general guidelines • Your expected interactions are within your own team and direct supervisor • You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments • The decisions that you make would impact your own work • You will be an individual contributor as a part of a team, with a predetermined, focused scope of work • Please note that this role may require you to work in rotational shifts

Requisitos

MCom,Master of Business Administration

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