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CAPABILITY


Commercial credit

Providing target operating model definition, analytics and back-office processing support

OVERVIEW

Profitability for commercial lenders remains under pressure from internal operational challenges as well as a number of disruptive market and regulatory forces.

Finding a strategic partner with the right capabilities to assess strategy, transform operations and technology, and provide flexible, cost-efficient loan processing has never been more important.

Accenture’s commercial credit group provides expertise and servicing support to commercial lending and servicing organizations, including banks, equity investors and the credit captive market. Our tailored offerings guide commercial lenders through the transformational journey and are aligned to each stage of the credit value chain.

WHY ACCENTURE

Accenture has decades of experience successfully delivering consulting and commercial loan platform back-office analytics and services.

PEOPLE

250+ global consultants with deep, hands-on experience in commercial credit consulting and over 1,300 commercial credit analysts providing end-to-end capabilities in credit, from origination support through asset servicing.

DELIVERY

Ability to leverage a mature onshore/offshore model to drive significant quality improvement, cost reduction, and process efficiencies, which enable our clients to increase their capability to react to market and regulatory challenges. Accenture’s process provides clients with enhanced control and visibility of their credit and servicing organizations.

EXPERIENCE

We have successfully partnered with over 50 percent of top 25 commercial lenders.

PERSPECTIVE

Our deep knowledge of commercial credit—partnered with our capabilities in risk, finance, operations, digital, and commercial banking—provide comprehensive solutions to our clients’ commercial credit challenges.

PLATFORMS

Our experience includes depth of knowledge not only within our proprietary Alnova product offering, but also with a myriad of top commercial technology platform providers.

SPECIFIC SERVICES

Accenture’s team of consulting experts has extensive experience partnering with lenders on large-scale assessments and transformations spanning the full credit lifecycle from sales through servicing and default management.

  • Strategy and operating model definition

  • Technology vendor assessment & selection

  • Solution planning & implementation

  • Integrated credit risk rating implementation and portfolio management


Accenture’s flexible operations and delivery platform supports our clients’ back office and strategic initiatives by providing improved market responsiveness and end-customer satisfaction through enhanced processes that create efficiencies between the front and back office. Services include:

  • Origination and underwriting analysis that drives higher quality and reduced turn times

  • Enhanced financial statement spreading capabilities, using tools such as MRA/Hyperion

  • Portfolio management including borrowing-base analysis and covenant testing

  • Booking and funding capabilities that enable accurate metrics reporting

  • Development of rigorous process controls that can reduce credit policy violations

  • Monetary and non-monetary servicing


Assets supported include:

  • Business banking

  • Commercial banking

  • Middle market

  • SBA

  • Equipment and leasing finance

  • Muni/dealer

  • Private wealth

  • Corporates

  • Commercial real estate

EXPLORE CREDIT SERVICES