About The Role
Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting

Designation: Banking Advisory Associate

Qualifications:BCom/Bachelor's degree with Finance specialization

Years of Experience:1 to 3 years

- Technology and Operations services, and Accenture Song” all powered by the world's largest network of Advanced Technology and Intelligent Operations centers.

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
Experience:2+ year experience
- MBA/B.COM Finance and Accounting
- Flexible to shifts
- Good to have experience in origination system and client customized templates
- Experience/exposure of US commercial banking operations
- Valuable team player who is dynamic, result- oriented with strong work ethic

Roles and Responsibilities:
- In this role you are required to solve routine problems, largely through precedent and referral to general guidelines
- Your expected interactions are within your own team and direct supervisor
- You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on current assignments
- The decisions that you make would impact your own work
- You will be an individual contributor as a part of a team, with a predetermined, focused scope of work
- Please note that this role may require you to work in rotational shifts
- Provide subject matter expertise support for understanding origination guidelines and utilizing the underlying financial statements to complete the origination process
- Undertaking ad-hoc reporting / analysis requirements
- Analyzing and executing assignments/deals with moderate complexity
- Providing work products with improved quality and timeline
- Realize responsibility and completes the task at hand
- Involves a little amount of independent decision making

QualificationBCom,Bachelor's degree with Finance specialization

📌 Banking Advisory Associate (Bengaluru)
🏢 Accenture
📍 Bengaluru