Banking Advisory Specialist

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

Designation: Banking Advisory Specialist

Qualifications:BCom/MCom/Master of Business Administration

Years of Experience:7 to 11 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. 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. 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. Candidate plays a key role responsible for managing all aspects of an assigned portfolio of multifamily agency loans, with primary focus on monitoring risk for the Asset Management team. Responsibilities:

• Analyze financial statements, property operating statements & rent rolls
• Review property inspections
• Comply with all Investor monitoring and reporting requirements
• Perform ongoing risk analysis, ensuring timely risk detection and appropriate monitoring.
• Review reserve draws
• Process lender consent requests, including related review of loan documents and other agreements
• Manage client loans while enforcing loan document/lender requirements
• Prepare loan and portfolio level status report. What are we looking for
• Ability to establish strong client relationship
• Ability to handle disputes
• Written and verbal communication
• Ability to manage multiple stakeholders
• Collaboration and interpersonal skills Preferred Qualifications:
• At least 6 years of experience in commercial real estate
• At least 4 years of GSE experience (Fannie Mae or Freddie Mac) or CMBS experience
• At least 3 years of experience with loan asset management
• Proficiency in analyzing property operating statements, rent rolls, and borrower financial statements and in modeling complex financial scenarios
• High level of proficiency in Microsoft Office or Google Suite (Excel, Word, PowerPoint) Roles and Responsibilities:
• In this role you are required to do analysis and solving of moderately complex problems
• May create new solutions, leveraging and, where needed, adapting existing methods and procedures
• The person would require understanding of the strategic direction set by senior management as it relates to team goals
• Primary upward interaction is with direct supervisor
• May interact with peers and/or management levels at a client and/or within Accenture
• Guidance would be provided when determining methods and procedures on new assignments
• Decisions made by you will often impact the team in which they reside
• Individual would manage small 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