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


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


Qualification BCom,MCom,Master of Business Administration