Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting
Designation: Delivery Operations Team Lead
Qualifications:BCom/MCom
Years of Experience:7 to 11 years

Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Songall powered by the worlds largest network of Advanced Technology and 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 Skillset RequiredProven experience in credit review and appraisal, credit rating analysis, report writing, and evaluating capital structure, EBITDA, leverage ratios, and financial statements of large corporates; well-versed in cash flow models and enterprise valuation techniques.Familiarity with third-party credit platforms like SP Capital IQ, IBIS, and Moodys Credit Edge will be an added advantage.Strong communication skills, with the ability to multitask, prioritize effectively, and meet tight deadlines.Analytical and logical thinker with a clear understanding of client requirements and expectations.Commercial Lending Credit ServicesExpert(E)Client Relationship ManagementExpert(E)People ManagementExpert (E)Cost OptimizationExpert(E)Analytical Proactive SkillsExpert(E)Quality Concepts and ToolsExpert (E)
Roles and Responsibilities: Responsibilities/Authorities Conducting financial statement analysis, performance evaluation,



and trend analysis to assess the creditworthiness of large corporate clients.Managing client portfolios and overseeing credit rating assignments along with interim financial analysis and hygiene checks.Performing financial data entry and analysis using Excel templates based on 10-K and 10-Q filings.Preparing credit reports and Credit Assessment Memos (CAMs) for annual reviews, incorporating counterparty profiles, key rating factors, credit risk evaluations (including financial and peer analysis, rating rationale, and industry outlook).Developing forecast models in Excel, including cash flow models under various scenariosExpected case, downside case, and management caseto project financials over a five- to seven-year horizon.Creating and analyzing enterprise valuation models to determine a companys total value, including both equity and debt components.Evaluating business models by identifying key strengths, weaknesses, risks, and gaining a comprehensive understanding of revenue structures and corporate organization.Ensuring compliance with standard operating procedures and regulatory documentation requirements.Maintaining robust working relationships with onshore account managers and senior stakeholders, including Directors.In this role you are required to do analysis and solving of moderately complex problemsMay create new solutions, leveraging and, where needed, adapting existing methods and proceduresThe person would require understanding of the strategic direction set by senior management as it relates to team goalsPrimary upward interaction is with direct supervisorMay interact with peers and/or management levels at a client and/or within AccentureGuidance would be provided when determining methods and procedures on new assignmentsDecisions made by you will often impact the team in which they resideIndividual would manage small teams and/or work efforts (if in an individual contributor role) at a client or within AccenturePlease note that this role may require you to work in rotational shifts

Qualification
BCom,MCom

📌 Delivery Operations Team Lead (Bengaluru)
🏢 Accenture
📍 Bengaluru