RANDHEER YADAV
Gurugram
Summary
MBA Finance professional with strong experience in credit underwriting, financial statement analysis, and risk assessment. Skilled in evaluating borrower creditworthiness, identifying key risk drivers, and supporting data-driven credit decisions. Experienced in preparing detailed credit memos and performing LGD scorecard reviews to support effective risk assessment.
Overview
3
3
years of professional experience
Work History
Credit Analyst
WNS Global Services
Gururgram
04.2025 - Current
- Assess borrower creditworthiness by analyzing key financial ratios such as DSCR, leverage, and liquidity ratios.
- Perform detailed financial statement analysis (income statement, balance sheet and cash flow) for commercial borrowers to assess creditworthiness.
- Reviewed and validated LGD scorecard to ensure accuracy, consistency, and alignment with internal credit policies, enhancing reliability of risk assessments.
- Developed and maintained facility ratings to enhance credit risk assessment and improve expected loss calculations.
- Assign facility-level ratings for commercial borrowers by evaluating collateral type, seniority, and recovery assumptions as part of the LGD rating team.
- Supported decision-making by providing structured analysis and data-driven insights, facilitating informed credit evaluations.
- Support portfolio monitoring and periodic reviews, highlighting early warning signals and credit deterioration risks.
Financial Analyst
Jones Lang Lasalle
Gururgram
12.2023 - 03.2025
- Analyzed DSCR (Debt Service coverage ratio) to determine debt repayment ability and ensure compliance with credit standards.
- Conducted NOI (Net Operating Income) calculations from rent rolls and operating statements to assess property cash flows and inform investment decisions.
- Conducted detailed NOI (Net operating income) calculations using the rent rolls, operating statements to assess property cash flows.
- Evaluated key CRE metrics including LTV, cap rates, vacancy rates, and cash flow stability to support informed credit decisions and mitigate risk.
- Prepared comprehensive credit memos (CAMS) detailing property analysis, financial performance, and identified risk factors to guide lending decisions.
- Supported portfolio monitoring of CRE exposures, tracking performance and identifying early warning signals.
Education
MASTERS OF BUSINESS ADMINISTRATION - FINANCE
Kurukshetra University
BACHELOR OF COMMERCE -
University of Delhi
Skills
- Credit underwriting
- Credit Risk
- Risk assessment
- Financial analysis
- Financial Spreading
- Corporate lending
- Commercial lending
- Data visualization
- Team work
Languages
- English
- Hindi
Timeline
Credit Analyst
WNS Global Services
04.2025 - Current
Financial Analyst
Jones Lang Lasalle
12.2023 - 03.2025
MASTERS OF BUSINESS ADMINISTRATION - FINANCE
Kurukshetra University
BACHELOR OF COMMERCE -
University of Delhi