Banking Advisory Analyst

Accenture; Chennai District; On-site; INR 650,000 - 900,000; Full time

Job summary

Accenture in India seeks a Banking Advisory Analyst to support corporate banking clients with credit underwriting and risk assessment. You will analyze loan requests, determine creditworthiness, and make recommendations aligned with regulatory requirements.

You will research borrower financials, review collateral like commercial property and rent rolls, and coordinate with teams to ensure timely decisions and accurate documentation.

Qualifications

• Strong understanding of credit analysis and underwriting for commercial lending.
• Experience evaluating financial history, borrower and guarantor.
• Knowledge of property inspections and rent rolls is preferred.

Responsibilities

• Analyze and solve lower-complexity problems.
• Interact with peers within Accenture before updating supervisors.
• Limited client/management exposure in some cases.
• Receive moderate level task instructions and guidance on new assignments.
• Make decisions affecting own work and possibly others.
• Work as an individual contributor within a team.
• Rotation shifts may be required.

Skills

Credit underwriting

Credit analysis

Commercial lending

Financial analysis

Risk assessment

Education

BCom

MCom

MBA

Job description

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

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.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.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?

• Adaptable and flexible
• Ability to perform under pressure
• Commitment to quality
• Prioritization of workload
• Strong analytical skillsThe 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 whereas residential underwriting is preferable.

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 new 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