Commercial Credit Underwriting - Accenture

Responsibilities:
Analyse borrower financial statements, including Balance Sheet, Income Statement, and Cash Flow Statement, to assess creditworthiness.
Prepare Credit Assessment Memorandums (CAMs) and underwriting recommendations for commercial lending transactions.
Perform ratio analysis, including EBITDA, leverage, liquidity, DSCR, and working capital assessment.
Develop financial forecast models and cash flow projections under various business scenarios.
Conduct credit reviews, risk assessments, and annual portfolio monitoring for corporate clients.
Evaluate business models, industry outlook, competitive positioning, and key credit risk factors.
Review 10-K, 10-Q, annual reports, and other financial disclosures to support underwriting decisions.
Utilize S& P Capital IQ, Moody's CreditEdge, IBISWorld, and Advanced Excel for financial and credit analysis.
Ensure compliance with credit policies, regulatory requirements, and internal underwriting guidelines.
Collaborate with relationship managers, risk teams, and stakeholders to support timely credit approvals.
Requirements:
Experience in Commercial Banking, Credit Underwriting, Corporate Banking, Credit Risk, or Financial Analysis.
Experience evaluating large corporate borrowers and commercial lending transactions.
Strong understanding of banking regulations, credit policies, and underwriting frameworks.
Experience in preparing credit approval packages and underwriting recommendations.

Experience
3-7 yrs