Banking Advisory Analyst

Overview

Banking Advisory Analyst role focused on commercial credit underwriting, assessing the creditworthiness of large corporate clients and delivering daily work to agreed SLAs.

What you'll do

• Deliver daily work with quality to meet or exceed the agreed SLA.
• Ensure client focus, timely delivery and strict adherence to SOPs.
• Handle clients effectively with good knowledge of commercial lending and credit services.
• Assist the team to drive client value creation and implement solutions such as RPA and analytics, moving towards intelligent operations.
• Adhere to Accenture values and policies and ensure team members follow the same.
• Address team members' concerns and areas of improvement and build team bonding for greater efficiency and commitment.
• Conduct detailed research on the financial history of businesses to determine creditworthiness.
• Assess risk parameters of the loan, borrower and industry, including the financial performance of the borrower and guarantor and their repayment capacity.
• Recommend approving, declining or counter-offering business loans.
• Conduct financial statement analysis, performance evaluation, industry risk evaluation and trend analysis to assess creditworthiness of large corporate clients.
• Recommend appropriate credit facilities in line with internal policy and risk appetite.
• Manage client portfolios and oversee credit rating assignments, along with interim financial analysis and hygiene checks.
• Prepare debt service coverage worksheets and credit appraisal memos.
• Perform financial data entry and analysis using Excel templates based on 10-K and 10-Q filings.
• Prepare credit reports and Credit Assessment Memos (CAMs) for annual reviews, including counterparty profiles, key rating factors, credit risk evaluations (financial and peer analysis, rating rationale, industry outlook).
• Develop Excel forecast models, including cash flow models under expected, downside and management cases, projecting financials over a five- to seven-year horizon.
• Create and analyze enterprise valuation models to determine total company value, including equity and debt components.

What you'll need

• Bachelor's degree (B.B.M or Bachelor's) with Finance specialization.
• 3 to 5 years of experience.
• Knowledge of accounting and financial reporting standards.
• Underwriting experience.
• Knowledge of banking and financial services.
• Written and verbal communication skills.
• 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.
• 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.

Nice to have

• Familiarity with third-party credit platforms such as S&P Capital IQ, IBIS and Moody's Credit Edge.

Details

• Location: Chennai.
• Works on lower-complexity problems, interacting mainly with peers within Accenture before updating supervisors.
• Limited exposure to clients and/or Accenture management.
• Moderate-level instruction on daily tasks and detailed instructions on new assignments.
• Individual contributor within a team with a focused scope of work.
• May require working in rotational shifts.