Credit reviews, CRE underwriting, Immediate joiners

WNS Holdings; Gurugram District; Hybrid; INR 1,500,000 - 2,500,000; Full time

Job summary

WNS Holdings in Gurugram, India, is seeking an experienced professional to perform credit appraisals for both existing and new clients. You will evaluate creditworthiness using diverse financial and qualitative factors and provide recommendations based on risk analyses.

The role emphasizes accurate, timely deliverables, ongoing portfolio monitoring, financial modeling, and clear communication of risk assessments.

Qualifications

• 5+ years of experience into Credit reviews, report writing.
• Experience evaluating creditworthiness across multiple parameters including business profile, industry, management and financials.
• Ability to deliver high-quality, accurate deliverables under tight deadlines.

Responsibilities

• Credit appraisal of existing and new credit requests by evaluating creditworthiness across multiple parameters.
• Analyze balance sheets, income and cash flow statements for risk assessment and recommendations.
• Conduct ongoing portfolio monitoring, financial modeling and covenant analysis to support decision making.
• Assign PD and LGD risk ratings with detailed rationale write-ups.
• Mentor and train newer team members and share knowledge across support teams.

Skills

Credit reviews

Report writing

Job description

Role & responsibilities

• Credit appraisal of existing as well as new credit requests for clients by evaluating their creditworthiness on multiple parameters, including the assignment of internal customer risk rating and covering detailed analysis of business profile, industry, management and financials.
• To analyze the balance sheet, income and cash flow statements of our clients, including the operating trends, capital structure, liquidity, covenants, debt service capacity and overall credit risk for conclusion and recommendation.
• Conduct on-going Portfolio Monitoring to facilitate decision making through Financial Modeling, Coverage Reports, Covenant Analysis, Forecast and Report writing.
• Working on assigning the Risk rating of PD and LGD to the Borrower, and detailed risk rating rationale write-up
• Providing mentorship and training to newer members of the team; providing cross functional knowledge and training to support teams

Preferred candidate profile

• 5+ years of experience into Credit reviews, report writing.

Additional Information

• Will be accountable for regular deliverables
• Responsible for delivering 100% quality to the client
• Be able to maintain productivity, quality and meet short/strict deadline.
• Assist superiors in activities related to productivity improvement, quality initiatives, pilot processes etc.
• Work under high pressure and long hours; strong work ethics and positive attitude