Banking Operations Analyst at Accenture

Chennai, Tamil Nadu, India

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Not SpecifiedCompensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Financial Services, MortgageIndustries

Requirements

Any Graduation
5 to 7 years of experience
Skill in Ret.Bkg- Credit UW - Retail Banking Operations
Ability to work well in a team
Commitment to quality
Excellent analytical and problem-solving skills
Detail orientation
Excellent communication and interpersonal skills, with the ability to build rapport with clients and colleagues
Proficiency in mortgage origination software and MS Office suite
Willingness to work night shift

Responsibilities

Well-versed with all 4 Cs of Underwriting (Asset, Income, Credit & Collateral)
Evaluate loan applications submitted by borrowers, including reviewing credit histories, income documentation, and employment history
Assess risk associated with each mortgage application, considering factors such as borrower’s credit score, debt-to-income ratio, loan-to-value ratio, and property appraisal
Perform quality control checks on approved loans to ensure accuracy and compliance with underwriting guidelines and regulations
Stay updated on industry trends, regulatory changes, and underwriting guidelines to maintain expertise and ensure compliance
Effectively communicate underwriting decisions with processors and advisors

Skills

Credit Underwriting

Retail Banking Operations

Credit Analysis

Financial Analysis

Mortgage Underwriting

4 Cs of Underwriting

Asset Evaluation

Income Analysis

Credit Evaluation

Collateral Assessment

MS Office

Mortgage Origination Software

Analytical Skills

Problem-Solving

Accenture

Global professional services for digital transformation

About Accenture

Accenture provides a wide range of professional services, including strategy and consulting, technology, and operations, to help organizations improve their performance. Their services assist clients in navigating digital transformation, enhancing operational efficiency, and achieving sustainable growth. Accenture's offerings include cloud migration, cybersecurity, artificial intelligence, and data analytics, which are tailored to meet the needs of various industries such as financial services, healthcare, and retail. What sets Accenture apart from its competitors is its extensive industry knowledge and ability to deliver comprehensive solutions that address both immediate challenges and long-term goals. The company's aim is to support clients in reducing their environmental impact while driving innovation and growth.

Dublin, IrelandHeadquarters

1989Year Founded

$8.5MTotal Funding

IPOCompany Stage

Consulting, Enterprise Software, CybersecurityIndustries

10,001+Employees

Risks

Rapid AI advancements may outpace Accenture's current capabilities, risking competitive disadvantages.

Integration challenges from multiple acquisitions could affect Accenture's operational efficiency.

The rise of AI-driven startups may disrupt Accenture's market share in customer service solutions.

Differentiation

Accenture's acquisitions enhance its capabilities in digital twin technology for financial services.

The company is expanding its expertise in net-zero infrastructure through strategic acquisitions.

Accenture's focus on software-defined vehicles positions it as a leader in automotive innovation.

Upsides

Accenture's investment in EMTECH supports central bank modernization amid digital currency evolution.

The acquisition of Award Solutions boosts Accenture's presence in the growing 5G and IoT markets.

Accenture's strategic acquisitions align with high-growth markets like digital twins and net-zero projects.

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