Banking Advisory Associate

Overview

Banking Advisory Associate role in commercial credit underwriting, assessing the creditworthiness of large corporate clients and preparing credit assessments for lending decisions.

What you'll do

• Ensure daily deliveries meet or exceed the agreed SLA, with Client Focus, timely delivery and strict adherence to SOP.
• Handle clients effectively using good knowledge of commercial lending and credit services.
• Assist the team to drive Client Value Creation and implement solutions such as RPA and analytics to move towards Intelligent Operations.
• Adhere to all Accenture values and policies and ensure team members follow the same.
• Spend time with team members addressing concerns and areas of improvement, building team bonding for greater efficiency and commitment.
• Conduct detailed research on the financial history of businesses to determine their creditworthiness.
• Assess risk parameters of the loan, borrower and industry, including the financial performance of the borrower and guarantor and their repayment capacity.
• Recommend the future course of action in approving, declining or counter-offering business loans.
• Conduct financial statement analysis, performance evaluation and trend analysis to assess creditworthiness of large corporate clients.
• Manage client portfolios and oversee credit rating assignments, along with interim financial analysis and hygiene checks.
• 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, incorporating counterparty profiles, key rating factors, credit risk evaluations (including financial and peer analysis, rating rationale and industry outlook).
• Develop forecast models in Excel, including cash flow models under expected, downside and management case scenarios, projecting financials over a five- to seven-year horizon.
• Create and analyze enterprise valuation models to determine a company's total value, including equity and debt components.
• Evaluate business models by identifying key strengths, weaknesses and risks, and understanding revenue structures and corporate organization.
• Ensure compliance with standard operating procedures and regulatory documentation requirements.

What you'll need

• MCom or Master of Business Administration.
• 1 to 3 years of experience.
• Knowledge of accounting and financial reporting standards.
• Underwriting skills.
• Knowledge of banking and financial services.
• Written and verbal communication skills.
• Adaptable and flexible.
• Problem-solving skills.
• Commitment to quality.
• 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: Bengaluru.
• Role may require working in rotational shifts.
• Solves routine problems largely through precedent and referral to general guidelines; receives detailed to moderate instruction on daily tasks and detailed instruction on new assignments.
• Works as an individual contributor within a team with a predetermined, focused scope of work.