Summary
Overview
Work History
Education
Skills
Websites
Accomplishments
Languages
Affiliations
Timeline
Generic

Hera Nooreen

Kolkata

Summary

Credit underwriter and investment banking analyst with over six years of experience in corporate borrower evaluation and credit risk assessment. Proficient in preparing credit memos, conducting financial analysis, and performing ratio analysis. Demonstrated expertise in debt underwriting and financial modeling within BFSI and KPO sectors.

Overview

8
8
years of professional experience

Work History

Credit Analyst

WNS
Gurgaon
04.2019 - Current
  • Conducted comprehensive credit appraisals for existing and new client requests, evaluating multiple creditworthiness parameters.
  • Performed in-depth analysis of balance sheets, income statements, and cash flow to assess overall credit risk.
  • Monitored portfolios continuously through financial modeling, covenant analysis, and report writing to facilitate decisions.
  • Assigned probability of default (PD) and loss given default (LGD) ratings, including detailed rationale for each assessment.
  • Provided mentorship and training to new team members, enhancing cross-functional knowledge within teams.
  • Delivered 100% quality assurance to clients while maintaining productivity and meeting strict deadlines.
  • Conducted thorough borrower analyses, assessing repayment capacity, covenant testing, and collateral valuation.
  • Supported interim reviews, modification requests, and covenant clean-up as part of FTE model.

Tax Associate

PricewaterhouseCoopers Service Deliver Center (PWC SDC)
12.2016 - 09.2017
  • Make Individual Tax Return of US based Companies of resident, non-resident, expatriate, STA, LTA etc. Helped Publish and E-Filing team to publishing the returns.
  • Did research on the return to provide maximum exclusion given to assignee.
  • Worked on various systems like CCH, Tiger and DMS for client data uploading.

Education

Master in Accounting and Finance -

University of Calcutta
Kolkata
04-2016

Bachelor of Accounting and Finance -

University of Calcutta
Kokatal
04-2014

12 Standard -I.C.S.E

Saifee Golden Jubilee School
Kolkata
03-2011

10th Standard -I.C.S.E -

Saifee Golden Jubilee School
Kolkata
03-2009

Skills

  • Credit risk assessment
  • Financial modeling and analysis
  • Covenant evaluation
  • Data analytics
  • Portfolio management
  • Microsoft Excel
  • Financial statement review
  • Report writing

Accomplishments

  • Certificate in Financial Modelling and Company Valuation Using Excel and VBA from Investment Banking Institute, New Delhi (IB Institute)
  • Certification in Core and Advance Excel from Microsoft (USA)
  • Awarded for securing the highest marks in Pure Math in interschool (2010)
  • Received best customer centric award and best team award at WNS.

Languages

English
First Language

Affiliations

Merger & Acquisition, Accretion, and Dilution Model

Analyze the merger's impact on EPS of the combined company post-merger by preparing a pro forma balance sheet and income statement, and calculate deal value, total purchase price, and goodwill

Financial modeling of oil and gas companies

Develop a financial model completely from scratch, inputting historical data as well as specific assumptions, to project financial statements. Learn to define assumptions and make forecasts for the income statement, balance sheet, and cash flow statements, with the required supporting schedules

Real Estate Financial Modeling

Developing financial structures and evaluating the financial feasibility of investing in a real estate property model to assess a project's financial viability

Valuation of many listed companies worldwide

  • Relative Valuation and DCF
  • Evaluate and compare different multiples, like P/E, EV/Revenue, EV/EBIT, EV/EBITDA, etc.

Timeline

Credit Analyst

WNS
04.2019 - Current

Tax Associate

PricewaterhouseCoopers Service Deliver Center (PWC SDC)
12.2016 - 09.2017

Master in Accounting and Finance -

University of Calcutta

Bachelor of Accounting and Finance -

University of Calcutta

12 Standard -I.C.S.E

Saifee Golden Jubilee School

10th Standard -I.C.S.E -

Saifee Golden Jubilee School

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Hera Nooreen