Banking Operations Associate

Accenture in India

Chennai District

On-site

INR 400,000 - 600,000

Full time

14 days+

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Job summary

A global professional services company is seeking a Banking Operations Associate in Chennai, Tamil Nadu. This entry-level role involves reviewing borrower financial information, assessing loan applications, and ensuring compliance with guidelines. The ideal candidate will have excellent analytical, communication skills, and proficiency in mortgage origination software. Full-time position with a commitment to quality and collaborative teamwork is essential.

Qualifications

Minimum 1+ years of experience required in Mortgage Underwriting.
Excellent communication and interpersonal skills.
Proficiency in Microsoft Office and automated underwriting systems.

Responsibilities

Reviewing borrower financial information and employment history.
Evaluating loan application against lender guidelines.
Making recommendations for loan approval or denial.
Ensuring compliance with all regulatory requirements.
Assisting senior underwriter with complex loan files.

Skills

Teamwork

Attention to detail

Analytical skills

Problem-solving

Communication skills

Education

Any Graduation

Tools

Mortgage origination software

MS Office

Job description

Role

Designation: Banking Operations Associate

Skill required: Ret.Bkg- Credit UW - Retail Banking Operations

Qualifications: Any Graduation

Years of Experience: 2 to 4 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 699,000 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?

Be diligent with attention to details and compliance. You will be working as part of the Lending operations team which requires validation on Credit, Income, Asset & Collateral documents in line with the client credit policy, procedures, and turnaround times. The mortgage team focuses on lending home mortgages to qualified borrowers by complete validation of required documents. The role requires a good understanding of credit analysis, financial analysis, onshore collaboration, and document evaluations.

What are we looking for?

Ability to work well in a team.
Commitment to quality.
Excellent analytical and problem-solving skills.
Detail orientation.
Excellent communication and interpersonal skills, with the ability to build rapport with clients and colleagues.
Proficiency in mortgage origination software and MS Office suite.
Minimum 1+ years experience required in Mortgage Underwriting.

Roles and Responsibilities:

Reviewing borrower financial information, employment history, credit report and other relevant documentation to assess risk.
Evaluating loan application against specific lender guidelines and mortgage industry standards.
Indexing and organizing supporting documents and identifying gaps.
Communicating with loan officers, processors to obtain additional information or clarify application details.
Making recommendations for loan approval or denial based on a thorough analysis of the borrower financial profile.
Ensuring compliance with all regulatory requirements throughout the underwriting process.
Reviewing and specifying loan conditions as necessary.
Highly organized and able to prioritize.
Assisting senior underwriter with complex loan files and providing support as needed.
Good communication skills both verbal and written.
Proficiency in Microsoft Office and automated underwriting systems.
Note that this role may require working in night shift.
Maintain client SLA exceptions.
Achieves individual Underwriter quality benchmark, production goal and turnaround time.