Yashika Goyal
Credit Analyst at WNS Global Services
- Role
- Credit Analyst at WNS
- Location
- Gurugram, HR, IN
- LinkedIn followers
- 500 followers
Experience
Credit Analyst
May 2024 — Present · Gurugram, IN
1) Analysis of financial statements including income statement, balance sheet and cash flow statement of public and private companies for the credit appraisal process.2) Screening the credit agreements and analyzing the financial covenants applicable to the borrower.3) Calculating the adjusted net worth, recurring cash flows, annual debt service, contingent liabilities, custom ratios and other financial metrics.4) Acts as a lead commercial lending analyst, with strong domain knowledge of commercial banking practice, and products.5) Preparing detailed capital structure and debt amortization schedules.6) Normalizing the financial statements for exceptional and non-recurring items to arrive at the true profitability figures.7) Providing end-to-end credit risk analytical support to the client, managing client communication, feedback, etc.8) Strong knowledge of credit appraisal and commercial loan portfolio monitoring process author in-depth quarterly and annual reviews of clients in the US market including financial analysis, credit risk evaluation, and risk rating assignment.
Education
National Institute of Technology Kurukshetra
MBA
2020 — 2022
Kurukshetra University
Bachelor of Commerce - BCom, Business Administration and Management, General
2016 — 2019
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