Banking Advisory Associate

Accenture in India; Bengaluru; On-site; INR 550,000 - 850,000; Full time

Job summary

Accenture in India invites applications for a Banking Advisory Associate based in Bengaluru. The role focuses on commercial banking credit underwriting, analyzing financial statements, risk assessment, and ensuring sound lending decisions while mitigating risk.

You will support origination guidelines, perform ad-hoc analyses, handle moderately complex deals, and contribute to timely, high-quality work products. The position requires 1–3 years of experience, flexibility to shifts, and teamwork.

Qualifications

• MBA/B.Com Finance and Accounting required.
• Shifts flexibility.
• Experience with origination systems and client templates.
• US commercial banking operations exposure.
• Good team player with result orientation.

Responsibilities

• 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

Skills

Credit underwriting

Education

MBA/ B.Com Finance and Accounting

Tools

Origination system

Job description

Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting
Designation: Banking Advisory Associate
Qualifications:Any Graduation
Years of Experience:1 to 3 years

About Accenture

Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s 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. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com

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?

• 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
• Good team player who is dynamic, result- oriented with strong work ethic Roles and Responsibilities:
• 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