Banking Advisory Specialist

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


Designation: Banking Advisory Specialist


Qualifications:Any Graduation


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.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.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.


What are we looking for?
Direct involvement in production to learn the process and review the deals in a short span of time. Ensure that Client Focus, timely delivery & Strict adherence to SOP are maintained. Co-ordinate between Client & Offshore team to ensure all SLAs are met. Backed up with good Knowledge on Commercial lending & Credit Services, should be able to handle client calls and address the queries raised by the clients/middle office. Accurate Volume/Metrics tracking for reporting purposes

Should have extensive understanding about the commercial lending loan operations components /services, various types of documents and document repository systems and line of businesses

Should be able to review the US financial statements of the borrowers/guarantors.

Commercial Underwriters performs risk assessments on potential loan recipients / borrowers based on credit rating / risk rating, borrowing history, industry information / reports, financial performance, guarantors performance, collateral support, risk and mitigations associated with the borrower and other risk factors.

Required to understand Complex Documentation such as loan agreement, audit report and legal language. To ensure that all loan/policy applications and files are complete and accurate.

Ability to summarize borrower, financials, cashflow. Industry performance details in a clear and crisp way

Suggest and implement process improvements and synergies on an ongoing basis

Monitor production and personnel statistics and reporting in support of deal operation

Research complex issues utilizing internal and external resources and contacts.

Lead coordination, planning, scheduling, and execution of activities within assigned team

Improve consistency of operations across processes through ongoing communication and best-practice sharing

Complete all MIS reports according to schedule/requirements

Mentor and assist the new employees to come up the learning curve

Ability to interact with Clients on weekly calls and explain Issue Management process.

Realize responsibility and completes the task at hand and on time

Involves moderate level of independent decision making

Good oral and written communication are must as the process involves sending emails to client/closers for all deals

Performs quality control checks and colle

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
Qualifications
Any Graduation