Banking Advisory Associate

About the Role

• Responsible for daily deliveries with quality to meet/exceed agreed SLAs.
• Ensure Client Focus, timely delivery & strict adherence to SOP are maintained.
• Assist the team to drive Client Value Creation, implement cutting edge solutions like RPA/Analytics and move towards Intelligent Operations.
• Adhere to all values & policies of Accenture and ensure team members follow the same.
• Spend time with team members addressing concerns/areas of improvement and create team bonding leading to greater efficiency & commitment.
• Role involves solving routine problems largely through precedent and referral to general guidelines.
• Expected interactions are within own team and direct supervisor.
• Will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments.
• Decisions made will impact own work.
• Individual contributor as part of a team with a predetermined, focused scope of work.
• May require working in rotational shifts.

Key Responsibilities

• Conduct detailed research on the financial history of businesses to determine their creditworthiness.
• Assess risk parameters of the loan, borrower, and industry, including financial performance of the borrower and guarantor.
• Assess repayment capacity and recommend the future course of action in approving/declining/counter offer of business loans.
• Conduct financial statement analysis, performance evaluation, and trend analysis to assess the 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, and credit risk evaluations (including financial and peer analysis, rating rationale, and industry outlook).
• Develop forecast models in Excel, including cash flow models under various scenarios (expected case, downside case, and management case) to project financials over a five- to seven-year horizon.
• Create and analyze enterprise valuation models to determine a company's total value, including both equity and debt components.
• Evaluate business models by identifying key strengths, weaknesses, risks, and gaining a comprehensive understanding of revenue structures and corporate organization.
• Ensure compliance with standard operating procedures and regulatory documentation requirements.

Requirements & Tech Stack

• Accounting & Financial Reporting Standards
• Underwriting
• Banking, Financial Services
• Excel
• 10-K and 10-Q filings
• RPA/Analytics
• S&P Capital IQ, IBIS, Moodys Credit Edge (familiarity will be an added advantage)

Qualifications

• MCom
• Master of Business Administration

Skills & Experience

• Backed up with good knowledge on Commercial lending & Credit Services.
• Ability to handle clients effectively.
• Written and verbal communication.
• 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.
• Ability to multitask, prioritize effectively, and meet tight deadlines.
• Analytical and logical thinker with a clear understanding of client requirements and expectations.