3 Financial Spreads Jobs

Company Description 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. Job Description Supporting client with credit evaluation of its corporate borrowers; Analysis of financial statements of companies and individuals for credit appraisal process Detailed Borrower Analysis - Includes Ability to make loan repayments, financial spreads of borrower and guarantor, Covenant testing, collateral valuation Normalizing the financial statements and arriving on the true profitability figures Spreading the financial statements in a customized web based application Qualifications Post Graduate Show more Show less

Company Description 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. Job Description Supporting client with credit evaluation of its corporate borrowers; Analysis of financial statements of companies and individuals for credit appraisal process Detailed Borrower Analysis - Includes Ability to make loan repayments, financial spreads of borrower and guarantor, Covenant testing, collateral valuation Normalizing the financial statements and arriving on the true profitability figures Spreading the financial statements in a customized web based application Qualifications Post Graduate Show more Show less

As a Credit Associate at Redaptive, your primary responsibility is to assess and evaluate the credit risk associated with the company's customers and counterparties. This pivotal role involves conducting comprehensive analysis of creditworthiness, preparing financial spreads, evaluating financial data, identifying potential risks that may impact business operations, monitoring existing clients, and assigning risk ratings. Collaboration with various teams within the organization, including Finance, Sales, IT (Salesforce), and other departments is essential to ensure that sound credit decisions align with company objectives and risk tolerance. Your insights and recommendations will be instrumental in shaping credit policies and procedures, thereby contributing to the overall success and growth of the organization. Your key responsibilities include: - Evaluating and Assigning Credit Ratings: Assess the creditworthiness of new and existing clients and counterparties, analyze financial statements, prepare risk rating scorecards, recommend credit ratings and exposure limits. - Earnings Snapshots and Credit Reports: Prepare concise earnings summaries and detailed credit reports, analyze financial statements, highlight key performance metrics, assess creditworthiness to support underwriting decisions. - Portfolio Monitoring: Update credit portfolio tracker, develop industry-specific scorecard templates, review assigned credit ratings, manage credit data points in Salesforce. - Supporting Senior Analysts: Assist in gathering data and relevant information for credit assessments, collaborate with team members to ensure accuracy and completeness of information. - Ad-Hoc Projects: Participate in tasks such as updating benchmark rate files, conducting benchmark analysis, process enhancements, and other credit-related activities. Your time distribution for these duties is as follows: - Evaluate and Assign Credit Ratings: 40% - Earnings Snapshots and Credit Reports: 30% - Portfolio Monitoring: 15% - Supporting Senior Analysts and Ad-Hoc Projects: 15% You should possess the following abilities and skills: - Strong understanding of financial statements and key financial ratios. - Ability to comprehend and articulate credit fundamentals. - Skill in identifying potential risk issues that require escalation. - Effective communication skills and relationship-building abilities. - Attention to detail, result-oriented, curious, proactive with a growth mindset. Requirements for Education and Experience: - A master's degree in finance. - 0-2 years of experience in credit risk management. - Proficiency in MS Office (Word and Excel) and Bloomberg. - Prior internship or coursework in finance, risk management, or related fields is advantageous. This role does not involve international travel and offers perks such as equity plan participation, medical and personal accident insurance, support for hybrid working, equipment, and relocation, flexible time off, continuous learning opportunities, and an annual bonus based on company and individual performance. Redaptive is an Equal Opportunity Employer that values diversity and is committed to fostering an inclusive environment for all employees.,