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 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. 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? Direct involvement in production to learn the process and review the deals in a short span of time. Ensure that Client Focus, timely delivery & Strict adherence to SOP are maintained. Co-ordinate between Client & Offshore team to ensure all SLAs are met. Backed up with good Knowledge on Commercial lending & Credit Services, should be able to handle client calls and address the queries raised by the clients/middle office. Accurate Volume/Metrics tracking for reporting purposes• Should have extensive understanding about the commercial lending loan operations components /services, various types of documents and document repository systems and line of businesses • Should be able to review the US financial statements of the borrowers/guarantors. • Commercial Underwriters performs risk assessments on potential loan recipients / borrowers based on credit rating / risk rating, borrowing history, industry information / reports, financial performance, 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. • Ability to summarize borrower, financials, cashflow. Industry performance details in a clear and crisp way • Suggest and implement process improvements and synergies on an ongoing basis • Monitor production and personnel statistics and reporting in support of deal operation • Research complex issues utilizing internal and external resources and contacts. • Lead coordination, planning, scheduling, and execution of activities within assigned team • Improve consistency of operations across processes through ongoing communication and best-practice sharing • Complete all MIS reports according to schedule/requirements • Mentor and assist the new employees to come up the learning curve • Ability to interact with Clients on weekly calls and explain Issue Management process. • Realize responsibility and completes the task at hand and on time • Involves moderate level of independent decision making • Good oral and written communication are must as the process involves sending emails to client/closers for all deals • Performs quality control checks and colle
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