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

Designation: Delivery Operations Senior Analyst

Qualifications:B.B.M/Bachelor's degree with Finance specialization

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 Responsible for the daily deliveries with quality to meet/exceed the agreed SLA. Ensure that Client Focus, timely delivery & Strict adherence to SOP are maintained. Backed up with good knowledge on Commercial lending & Credit Services, should be able to handle client effectively Assist the team to drive Client Value Creation, implement cutting edge solutions like RPA/Analytics and move towards Intelligent Operations. Adhere to all values & policies of Accenture and ensure that all team members follow the same. Spend time with the team members addressing their concerns/areas of improvement and create a team bonding leading the greater efficiency & commitment 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

Conducting financial statement analysis, performance evaluation, industry risk evaluation and trend analysis to assess the creditworthiness of large corporate clients.
Recommendation of appropriate credit facilities in line with internal policy and risk appetite.
Managing client portfolios and overseeing credit rating assignments along with interim financial analysis and hygiene checks.
Preparation of debt service coverage worksheet and credit appraisal memo.
Performing financial data entry and analysis using Excel templates based on 10-K and 10-Q filings.
Preparing credit reports and Credit Assessment Memos (CAMs) for annual reviews, incorporating counterparty profiles, key rating factors, credit risk evaluations (including financial and peer analysis, rating rationale, and industry outlook).
Developing forecast models in Excel, including cash flow models under various scenarios—Expected case, downside case, and management case—to project financials over a five- to seven-year horizon.
Creating and analyzing enterprise valuation models to determine a company's total value, including both equity and debt components.
Accounting & Financial Reporting Standards
Underwriting
Banking, Financial Services
Written and verbal communication
Proven experience in credit review and appraisal, credit rating analysis, report writing, and evaluating capital structure, EBITDA, leverage ratios, and financial statements of large corporates; well-versed in cash flow models and enterprise valuation techniques.
Familiarity with third-party credit platforms like S&P Capital IQ, IBIS, and Moody's Credit Edge will be an added advantage.
Strong communication skills, with the ability to multitask, prioritize effectively, and meet tight deadlines.
Analytical and logical thinker with a clear understanding of client requirements and expectations. Roles and Responsibilities:
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, B.B.M,Bachelor's degree with Finance specialization