Highlights:
5.00 – 8.00 Years
5.00 – 12.00 INR (Lacs)/Yearly
Full-time
Bengaluru
Skills
Commercial Real Estate
Roles & Responsibility
Skill required: Com.Bkg- Credit UW – Commercial Credit Underwriting
Designation: Banking Advisory Senior Analyst
Qualifications:BCom/Master of Business Administration/CA Inter
Years of Experience:5 to 8 years
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.
Com.Bkg- Credit UW stands for Commercial Banking Credit Underwriting. It involves evaluating the creditworthiness of businesses applying for loans or credit. This process includes analyzing financial statements, assessing risk, and determining the terms of the credit. The goal is to ensure that the bank makes sound lending decisions while minimizing risk. Credit underwriters play a crucial role in maintaining the financial health of the bank. The Credit Lending processes includes initial set up of loan, detailed analysis of financials, setting covenants, analyzing the accounts receivable for borrowing base calculation for working capital line of credit, drafting a detailed credit memoranda by a detailed analysis of 5 Cs of Credit – Character, Capacity, Collateral, Capital and Current Market Conditions.
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?
•Written and verbal communication
•Ability to handle disputes
•Ability to manage multiple stakeholders
•Collaboration and interpersonal skills
•Strong analytical skills
The scope of this role includes full-cycle portfolio management and credit underwriting for a diversified portfolio of large corporates across multiple industry sectors. The position is responsible for maintaining portfolio quality, conducting advanced financial analysis, supporting credit decisions, and ensuring strong risk governance across all assigned relationships.
Scope of Work includes but not limited to
1. End-to-End Credit Underwriting
2. Forward-Looking Financial Modelling & Valuation
3. Ongoing Portfolio Monitoring
4. Industry & Sector Coverage
Requirements
Roles and Responsibilities:
•In this role you are required to do analysis and solving of increasingly complex problems
• Your day to day interactions are with peers within Accenture
• You are likely to have some interaction with clients and/or Accenture management
• You will be given minimal instruction on daily work/tasks and a moderate level of instruction on new assignments
• Decisions that are made by you impact your own work and may impact the work of others
• In this role you would be an individual contributor and/or oversee a small work effort and/or team
• Please note that this role may require you to work in rotational shifts
BCom,Master of Business Administration,CA Inter
