Banking Operations Specialist

Banking Operations Specialist

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 process trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business. Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management.

What Are We Looking For?

Analyzing risk, ensuring sound financial decisions, and safeguarding profitability. Having a complete understanding of commercial banking operations including financial performance, covenant analysis, testing covenants, reported or working on monitoring covenants and borrowing base regularly, 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. Experience on commercial loan quality control is an added advantage.

• Covenant analysis, testing covenants, reported or working on monitoring covenants and borrowing base regularly.
• Understand and analyze the company / borrower performance based on financials, cashflow, and other secondary information.
• Understand the type of facilities and exposure of the borrower to assess the Loss Given Default and the Probability of Default. Should have knowledge of financials ratios impact on the overall performance.
• Ability to summarize borrower, financials, cashflow. Industry performance details in a clear and crisp way.
• Identify the risk associated with the borrower / company and mention it accordingly in the review along with the possible mitigants with justification.
• Performing assignments/deals/tasks of moderate complexity.
• Working with limited supervision, performing tasks with some degree of independent decision making.
• Ability to take judgment calls.
• Contributes to cycle time improvement and efficiency of the team.
• Communicating in correct English with clients, both orally and written. Analytically sound to take decisions on effectiveness of Controls. Advanced proficiency required in English language to create documentation.

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.

Any Graduation

About Accenture

We work with one shared purpose: to deliver on the promise of technology and human ingenuity. Every day, more than 775,000 of us help our stakeholders continuously reinvent. Together, we drive positive change and deliver value to our clients, partners, shareholders, communities, and each other. We believe that delivering value requires innovation, and innovation thrives in an inclusive and diverse environment. We actively foster a workplace free from bias, where everyone feels a sense of belonging and is respected and empowered to do their best work. At Accenture, we see well-being holistically, supporting our people's physical, mental, and financial health. We also provide opportunities to keep skills relevant through certifications, learning, and diverse work experiences. We're proud to be consistently recognized as one of the World's Best Workplaces™. Join Accenture to work at the heart of change.