Kajal Mittal
||Senior Associate||WNS Global services|| Commercial Credit CRE
- Role
- Senior Associate at WNS
- Location
- Gurugram, HR, IN
- LinkedIn followers
- 500 followers
About Kajal Mittal
Risk comes from not knowing what you\'re doing.\" – Warren Buffett As a finance…
Experience
Senior Associate
Sep 2024 — Present · Gurugram, IN
Perform detailed underwriting reviews of commercial real estate loans across asset classes such as multifamily, office, retail, industrial, and hospitality.Assess borrower creditworthiness, property cash flows (NOI, DSCR), and collateral valuation to ensure alignment with credit policy and risk appetite.Review and analyze rent rolls, lease agreements, appraisals, and market studies to determine property performance and sustainability.Monitor portfolio risk by tracking covenant compliance, loan maturity schedules, tenant rollover exposure, and market trends.Conduct stress testing and scenario analysis to evaluate the impact of market volatility and economic cycles on loan performance and collateral value.Possess strong expertise in credit appraisal and commercial loan portfolio monitoring; author detailed quarterly and annual credit reviews for U.S. clients, incorporating financial analysis, credit risk assessment, and internal risk rating assignments.Evaluate Net Operating Income (NOI) sustainability through historical and projected cash flow analysis at the individual property level.
Education
Dharam Samaj Bal Mandir Aligarh
Intermediate, Commerce
GLA University
Finance and Financial Management Services
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