Skill required:

Com.

Bkg- Credit UW - Commercial Credit Underwriting:

Designation:

Delivery Operations Associate Manager

Qualifications:

MCom/Master of Business Administration

Years of Experience:

10 to 14 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 calculat
What are we looking for? Skillset Required • 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 Commercial Lending & Credit Services Expert(E) Client Relationship Management Expert(E) People Management Expert (E) Cost Optimization Expert(E) Analytical & Proactive Skills Expert(E) Quality Concepts and Tools Expert (E)

Roles and Responsibilities:

Responsibilities/Authorities • Conducting financial statement analysis, performance evaluation, and trend analysis to assess the creditworthiness of large corporate clients.

• Managing client portfolios and overseeing credit rating assignments along with interim financial analysis and hygiene checks.
• 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.
• Evaluating business models by identifying key strengths, weaknesses, risks, and gaining a comprehensive understanding of revenue structures and corporate organization.
• Ensuring compliance with standard operating procedures and regulatory documentation requirements.
• Maintaining strong working relationships with onshore account managers and senior stakeholders, including Directors.
• In this role you are required to do analysis and solving of moderately complex problems • Typically creates new solutions, leveraging and, where needed, adapting existing methods and procedures • The person requires understanding of the strategic direction set by senior management as it relates to team goals • Primary upward interaction is with direct supervisor or team leads • Generally interacts with peers and/or management levels at a client and/or within Accenture • The person should require minimal guidance when determining methods and procedures on new assignments • Decisions often impact the team in which they reside and occasionally impact other teams • Individual would manage medium-small sized teams and/or work efforts (if in an individual contributor role) at a client or within Accenture • Please note that this role may require you to work in rotational shifts

MCom,Master of Business Administration

About Accenture

Accenture is a leading global professional services company that helps the world’s leading businesses, governments and other organizations build their digital core, optimize their operations, accelerate revenue growth and enhance citizen services—creating tangible value at speed and scale. We are a talent- and innovation-led company with approximately 791,000 people serving clients in more than 120 countries. Technology is at the core of change today, and we are one of the world’s leaders in helping drive that change, with strong ecosystem relationships. We combine our strength in technology and leadership in cloud, data and AI with unmatched industry experience, functional expertise and global delivery capability. Our broad range of services, solutions and assets across Strategy & Consulting, Technology, Operations, Industry X and Song, together with our culture of shared success and commitment to creating 360° value, enable us to help our clients reinvent and build trusted, lasting relationships. We measure our success by the 360° value we create for our clients, each other, our shareholders, partners and communities.

Visit us at www.accenture.com

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