WNS (Holdings) Limited (NYSE: WNS), is a leading Business Process Management (BPM) company. We combine our deep industry knowledge with technology and analytics expertise to co-create innovative, digital-led transformational solutions with clients across 10 industries. We enable businesses in Travel, Insurance, Banking and Financial Services, Manufacturing, Retail and Consumer Packaged Goods, Shipping and Logistics, Healthcare, and Utilities to re-imagine their digital future and transform their outcomes with operational excellence.We deliver an entire spectrum of BPM services in finance and accounting, procurement, customer interaction services and human resources leveraging collaborative models that are tailored to address the unique business challenges of each client. We co-create and execute the future vision of 400+ clients with the help of our 44,000+ employees.

Analysis of financial statements of companies and individuals for credit appraisal processDetailed Borrower Analysis - Includes Ability to make loan repayments, financial spreads of borrower and guarantor, Covenant testing, collateral valuationNormalizing the financial statements and arriving on the true profitability figuresSpreading the financial statements in a customized web based applicationWorking on assigning the Risk rating of PD and LGD to the Borrower, and detailed risk rating rationale write-upDetermination of guarantor support requirementDetermining the Ability to repay of the BorrowerDetailed rent roll analysis for revenue determinationAssigning the ‘Probability to Default’ and ‘Loan Given Default’ ratings to the Borrower Periodic update for monthly/quarterly/annual statementsStrong focus on Credit Appraisal and financial analysis

MBA