Banking Advisory Associate

Accenture in India; Chennai District; On-site; INR 450,000 - 650,000; Full time

Job summary

Accenture in India is seeking a Banking Advisory Associate to evaluate creditworthiness for loan applications and to prepare detailed credit analyses. You will review financial statements, assess risk, and determine terms in a fast-paced banking operations context.

The role focuses on leveraging underwriting expertise to support sound lending decisions while maintaining compliance and quality standards within rotational shifts as needed.

Qualifications

• Underwriting and financial analysis capabilities
• Detail-oriented approach with deadline discipline
• Ability to work under pressure and in a team
• Commitment to quality and accuracy

Responsibilities

• Evaluate the creditworthiness of businesses applying for loans or credit.
• Draft detailed credit memoranda after analyzing the 5 Cs of Credit (Character, Capacity, Collateral, Capital, Conditions).
• Assist in ensuring regulatory and operational standards are met in credit underwriting.

Skills

Underwriting

Financial Analysis

Detail orientation

Meet deadlines

Work under pressure

Teamwork

Commitment to quality

Education

BCom/MBA

Job description

Skill required:

Com.Bkg- Credit UW - Commercial Credit Underwriting

Designation:

Banking Advisory Associate

Qualifications:

BCom/Master of Business Administration

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?

• Underwriting
• Financial Analysis
• Detail orientation
• Ability to meet deadlines
• Ability to perform under pressure
• Ability to work well in a team
• Commitment to quality 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 new 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