Commercial Credit Services

Navigating the Complexity of Commercial Credit with Precision and Innovation

Financial institutions are facing growing complexity in managing commercial credit, from tightening regulatory requirements to rising operational costs and evolving customer demands. Banks must transform their approach to credit operations—simplifying workflows, improving risk assessment and speeding up decision-making.

WNS offers end-to-end digital solutions across the commercial credit value chain, empowering lenders to drive efficiency, reduce risks and deliver significant cost benefits. With over 15 years of industry experience and a dedicated Commercial Credit Center of Excellence (CoE), WNS helps banks transform their lending operations by integrating domain expertise with advanced automation, AI and data-driven insights.

Global Delivery

Across US, Europe, APAC & Middle East

1000+

Domain Experts

250,000+

Spreads Managed

Tailored Services, Smoother Commercial Lending Journeys

WNS provides a comprehensive suite of services that covers the full spectrum of commercial credit operations, from loan origination and underwriting to credit risk assessment, documentation and portfolio monitoring.

We empower clients to streamline processes, minimize documentation and automate credit assessments across key areas, such as:

Commercial Real Estate (CRE) Lending
Commercial & Industrial (C&I) Lending
Asset-based Lending (ABL)
Equipment Financing
Specialty Financing
Counterparty Credit Risk Assessment

We specialize in industry-focused commercial lending solutions for sectors such as:

Manufacturing
Real Estate
Healthcare
Retail
Energy
Transportation

Digital Transformation Capabilities

WNS redefines commercial credit operations for banks by leveraging cutting-edge technology and deep domain expertise to deliver transformative outcomes.

Enhanced Customer Experience

Tailored solutions for diverse business needs
Reduced documentation and simplified processes
Transparent, efficient workflows

Improved Underwriting

Rule-based automated underwriting processes
Alternative credit scoring models to improve decision-making

Innovative Digital Solutions

Automated data extraction and credit spreading
Rule-based decision-making processes for increased accuracy
Digital contracts to streamline workflows

Greater Process Efficiency

Standardized, simplified credit processes for faster execution
Automation and process re-engineering to reduce manual effort

Regulatory Compliance

Automated KYC checks and compliance management
Rapid adaptation to changing regulatory environments

Scalable Operations

Integrated platforms for enhanced data integrity and quality
Scalable solutions that grow with your organization’s needs

A Comprehensive Suite of Commercial Credit Management Solutions

WNS’ Commercial Credit Center of Excellence (CoE) accelerates time-to-value, refines delivery models, and enhances risk management to optimize every phase of the commercial credit lifecycle for greater agility, precision, and resilience. Our solutions cater to diverse industry sectors and business segments, addressing the unique challenges and requirements of each. By integrating underwriting, origination, and monitoring as foundational elements, we provide a holistic approach to commercial credit management.

Origination

Financial statement spreading and peer analysis
Risk rating, business, financial and industry analysis
Sensitivity analysis and projection modeling

Underwriting

Covenant analysis, credit package creation and term sheet drafting
Valuation analysis, capital structure and debt trajectory analysis

Monitoring

Covenant monitoring, annual and interim credit reviews
Collateral analysis and updates to projection models
Event impact analysis and portfolio-level reporting

Catering to a Range of Industries

Commercial Real Estate

Including apartments, multifamily, retail, service, office, health services, hotels, industrial, warehouse, construction and development

Commercial and Industrial (C&I)

Namely accommodation and food service, agriculture, automotive, business services, construction materials, consumer goods and services, contractors, energy, financial institutions, materials and extraction, oil and gas, public exposure, government banking, retail trade, technology, media, and telecom, transportation, utilities and wholesale trade

Specialty

Such as healthcare, securitized loans, not-for-profit, dealer finance, asset-based lending, counterparty credit risk assessment, equipment financing

Driving Transformation Across Business Segments

Business Banking

Firms with an exposure of up to USD 3 million and an annual revenue of up to USD 5 million

Middle Market

Businesses with an exposure of USD 3 to 10 million and an annual revenue of 5 to 50 million

Large Corporate

Organizations with an exposure greater than USD 10 million, and an annual revenue more than USD 50 million

Powering Operational Excellence with Cutting-edge Technology

Proprietary tools and industry-first solutions for quick, tangible outcomes

Robotic Process Automation (RPA): Consolidates credit documentation, enhancing speed and accuracy in credit assessments
Kwilo (AI/ML-based Automation Tool): Automates end-to-end financial statement spreading using optical character recognition (OCR) for greater efficiency
Skense Credit Researcher: A next-gen AI-powered tool that consolidates data to create comprehensive credit risk reports, including financial metrics, peer analysis, and business overviews

WNS in Action

Client: Leading US-based Banking Major

Business Challenge:

The client faced significant challenges in its commercial credit processes, including non-standardized credit models, inconsistent assessments and operational inefficiencies. These issues resulted in extended turnaround times and a rise in overdue credits, highlighting the urgent need for transformation.

Solutions and Outcomes

WNS implemented a structured operating model using our CoE and advanced technologies, achieving the following:

From 18-25 days to under 10 days, credit processing cycle times have improved
From 27% to below 10%, overdue credit rates have decreased
Updated 215,000 data points for over 15,000 customers in 3 months

By automating processes and streamlining credit lifecycle management, we enhanced decision-making, reduced risks and improved overall operational efficiency.