Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting

Designation: Delivery Operations Senior Analyst

Qualifications:MCom

Years of Experience:5 to 8 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. Entry level supervisor able to (i) lead & motivate a team of professionals with accountability on all Service Delivery parameters, (ii) work towards the attainment of specified goals related to 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 Experience: 7+ year experience Functional competencies (Includes Knowledge and Skills) Competency Name Proficiency Level (Refer Defn. below) Commercial Lending & Credit Services Expert(E) MS Office Expert(E) Accounts/Finance Knowledge Expert (E) Basic accounting and economic concepts Expert (E)

Roles and Responsibilities:

Service Delivery (Quality and TAT SLAs)
Process Management (Improving efficiency, ensuring statutory and internal compliance, Ensure compliance to contractual agreements, internal controls, Information security and Compliance audits. Assists and guides the team in processing their assignments in an accurate, timely and organized manner
People Management (improving team competency, reducing criticality, performance management and containing attrition) and
Financial Performance (maintaining capacity utilization and contribute towards cost savings).
In this role you are required to do analysis and solving of increasingly complex problems
Your day to day interactions are with peers within Accenture
You are likely to have some interaction with clients and/or Accenture management
You will be given minimal instruction on daily work/tasks and a moderate level of instruction on new assignments
Decisions that are made by you impact your own work and may impact the work of others
In this role you would be an individual contributor and/or oversee a small work effort and/or team
Please note that this role may require you to work in rotational shifts, MCom

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Delivery Operations Senior Analyst