Sheetal Gandhi
Credit Risk Analyst | Corporate Credit | Ex-Crisil | GAC
- Role
- Credit Analyst at WNS Analytics
- Location
- Gurugram, HR, IN
- LinkedIn followers
- 500 followers
About Sheetal Gandhi
I am a research enthusiast with driven and dedicated knack for decoding patterns in…
Experience
Credit Analyst
Aug 2024 — Present · Gurugram, IN
Conducted credit review report preparations and underwriting for Commercial Businesses portfolios, ensuring comprehensive risk assessments of all loan facilities, including structured financing, term loans, and revolving credit facilities within the commercial credit vertical for a USA-based bank to ensure the creditworthiness of businesses.• Generated Loss Given Default (LGD) and Probability of Default (PD) ratings and performed Ability to Pay (ATP) forward-looking analysis, assessing credit risks, loan recovery potential, and providing strategic risk mitigation recommendations.• Evaluated companies’ coverage, leverage, liquidity positions, and overall credit profile to assess creditworthiness, conduct credit analysis, and support portfolio risk management, ensuring alignment with risk tolerance and compliance for NFP, Healthcare, C&I, and CRE portfolios.• Conducted detailed borrower and guarantor portfolio reviews, financial statements analysis, identifying early warning signs and maintaining covenant records to ensure accurate and timely evaluation of financial and business risks through comprehensive credit analysis of entity financials, annual reports, quarterly statements, and other financial documents.• Conducted sensitivity analysis on financial projections to perform stress testing on loans, assessing serviceability under various economic scenarios.
Education
Dayalbagh Educational Institute
Bachelor of Commerce - BCom (hons)
2017 — 2020
Dayalbagh Educational Institute
Masters (IB) in corporate accounting and law
2020 — 2022
kids Corner Happy Sr. sec school
Intermediate
2010 — 2017
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