Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting

Designation: Banking Advisory Analyst

Qualifications:BCom/MCom/Master of Business Administration

Years of Experience:3 to 5 years

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.

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
- Ability to meet deadlines
- Commitment to quality
- Prioritization of workload
- Written and verbal communication
- Ability to manage multiple stakeholdersThe role requires a good understanding of credit analysis, creditworthiness, underwriting, third party report validation of commercial property, commercial lending, financial analysis, asset evaluation, and income calculation; analysis of property inspection reports, rent rolls, operating statement and preparation of letters based on the regulatory requirements; analysis of proof of payments, invoices, disbursement form, lien waivers & schedules. Expertise in commercial real estate underwriting or commercial underwriting is a must.

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 recent 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

Qualification BCom,MCom,Master of Business Administration

📌 Banking Advisory Analyst (Tamil Nadu)
🏢 Accenture
📍 Tamil Nadu