Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting
Designation: Banking Advisory Analyst
Qualifications:Master of Business Administration
Years of Experience:3 to 5 years
What would you do? We are currently hiring CA / ACCA/ MBA qualified professionals to support Large Corporate Underwriting for one of the top 10 North American Bank, one of the leading U.S. commercial banks. This role is focused on Annual Reviews and Credit Renewals for large corporate borrowers across multiple Lines of Business (LOBs).The role involves end to end preparation of the Credit Approval Memorandum (CAM), including detailed financial analysis, risk assessment, covenant evaluation, and exposure analysis. The position requires strong financial analysis capability, comfort interacting with U.S. onshore stakeholders (Portfolio Managers & Risk Managers), and strict adherence to client confidentiality standards.Why This Role is ExcitingThis role provides a great opportunity to be part of one of Accenture??s flagship Commercial Banking engagements, supporting the Bank, a premier U.S. financial institution, in its Large Corporate Underwriting function. Professionals in this role gain true end to end exposure to Commercial Banking, working across the full credit lifecycle??from detailed financial spreading and cash flow analysis to risk assessment, exposure evaluation, and credit renewal approvals.What makes this role especially exciting is the depth and breadth of exposure it offers: direct interaction with U.S.-based Portfolio Managers and Risk Managers, hands on experience across multiple Lines of Business, and insight into how real credit decisions are made for some of the bank??s largest and most complex corporate clients. For CA / ACCA professionals, this role represents a powerful shift from traditional accounting or audit tracks into a globally relevant, decision oriented credit role, enabling the development of strong commercial judgment, stakeholder communication skills, and a differentiated career path in U.S. commercial banking and credit risk




What are we looking for? Required Skills & ExperienceMandatory Requirements
- Qualified CA, ACCA or MBA Finance
- Strong foundation in financial analysis, ratio analysis, cash flow assessment
- Prior experience in credit underwriting, commercial banking, lending, credit risk, or financial analysis
- Excellent written and verbal communication skills
- High attention to detail and ability to work within tight timelines
- Comfortable working in evening shifts (2 PM ?? 11 PM IST), rotational shiftsGood to Have
- Exposure to U.S. commercial banking or corporate lending
- Experience with Large Corporate / Middle Market underwriting?? Important Note for CA / ACCA Candidates:This is not a traditional audit, accounting, tax, or controllership role. The role is highly analytical and credit focused, centered on commercial banking underwriting, risk evaluation, and decision support for lending. Candidates should apply only if they are interested in building a long term career in credit risk / commercial banking underwriting.We strongly encourage candidates to assess this role carefully against their long term career interests before applying, as this position is highly specialized in commercial credit underwriting.
- Familiarity with credit systems (nCino or similar) ?? not mandatory
- Experience working with onshore stakeholders________________________________________Work Model & Expectations
- 100% Work From Office
- Shift aligned to U.S. business hours (2 PM ?? 11 PM IST)
- High ownership role with accountability for quality and timeliness
- Process driven environment with solid governance and controls
Roles and Responsibilities:




- Key ResponsibilitiesCredit Approval Memorandum (CAM) PreparationThe role requires preparation and ownership of the following CAM sections as part of Annual Reviews and Renewals:1.Risk Rating InputsoAnalysis of quantitative and qualitative risk driversoInput validation for borrower risk grade determinationoHistorical risk migration analysis2.Financial Spreading / AnalysisoSpreading of borrower financial statements (Income Statement, Balance Sheet, Cash Flow)oNormalization, adjustments, trend analysisoMulti year historical and interim period analysis3.DSCR / Cash Flow AnalysisoDebt Service Coverage analysisoCash flow sustainability assessmentoSensitivity and stress considerations where applicable4.Risk Factors & MitigantsoIdentification of key borrower, industry, and structural risksoDocumentation of mitigants (financial, structural, sponsor, collateral based)5.Borrowing Base AnalysisoBorrowing base calculation (where applicable)oEligibility tests, advance rates, reserves, and availability trends6.Covenant ComplianceoHistorical covenant testingoCushion analysis and compliance assessmentoDocumentation of any waivers or amendments7.NFP / EUC WorksheetsoPreparation and validation of Non Financial Parameters / Exposure & Usage CalculationsoCross check against CAM and system data8.Charts & Historical Risk RatingsoPreparation of trend charts (financial, exposure, risk rating movement)oClear visual representation aligned to Bank??s standards9.TBE (Total Borrowing Exposure) SummaryoExposure breakdown across facilitiesoLimit, outstanding, availability analysis10.Obligor DescriptionoBusiness overview, ownership structure, operating profileoManagement and sponsor overview (where applicable)11.Collateral AnalysisoCollateral type, valuation, coverage, lien positionoStructural protection analysis12.Exposure Summary / Business DescriptionoIntegrated summary of borrower exposure and business riskoAlignment with overall credit recommendationStakeholder Interaction
Qualification Master of Business Administration

📌 Banking Advisory Analyst (Bengaluru)
🏢 Accenture
📍 Bengaluru