Sagar Bhutani
Credit Analyst @ WNS | MBA in Finance
- Role
- Credit Analyst at WNS
- Location
- Gurugram, HR, IN
- LinkedIn followers
- 500 followers
About Sagar Bhutani
As a Senior Credit Analyst, with around 7 years of experience with 1.5 year of team…
Experience
Credit Analyst
Apr 2025 — Present · Gurugram, IN
Conducted in-depth financial analysis and credit risk assessments forpublic and private clients across North - South America, Europe, Australiaand Asia region.• Performed annual reviews, adjusted EBITDA calculations, and prepareddetailed credit memos.• Prepared Borrower\'s credit assessment starting from Loan documentationto making decision for lending to borrower• Evaluate borrowers\' Ability to Pay (ATP), Debt Service Coverage Ratio(DSCR), and conduct sensitivity analysis for stress testing.• Carried out comprehensive qualitative and quantitative borrowerevaluations, including covenant compliance and Assigned Probability ofDefault (PD) and Loss Given Default (LGD) using Basel scorecardmethodology.• Evaluated the collateralized assets by examining the type of assets, marketvalue and estimated sale value of the assets• Analysed Guarantor by evaluating their Net worth, Credit history and theirincome sources• Created CRE models, analyzed LTV ratios, rent rolls, and mortgage values.• Maintained amortization schedules using Power BI, Loan IQ, and Excel.• Delivered training to new team members and conducted quality checks.• Utilized nCino (Salesforce), TPX, ERM, Spread Smart, MRA, RRT, Live Linkand other credit evaluation tools for underwriting and risk assessment
Education
Maharshi Dayanand University Rohtak
B.Com(honours), Business/Commerce, General
2014 — 2017
CHANDIGARH UNIVERSITY
Master of Business Administration - MBA, Finance and Marketing
2017 — 2019
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