Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
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Archit Agarwal

Faridabad

Summary

Commercial Real Estate Underwriter who uses independent judgement while performing detailed underwriting, to identify opportunities and risks associated with a loan and analyze the collateral-strength and financial worthiness of a mortgage.

Overview

4
4
years of professional experience

Work History

Financial Analyst

MCube Advisors
Gurgaon
04.2022 - Current
  • Commercial Real Estate underwriting with the help of rent roll and cash flow analysis for Self-storage, Multifamily and Retail.
  • In-depth analysis of CMBS loans to perform detailed underwriting for fixed-rate mortgages, based on financial parameters like LTV, LTC, DSCR, DY, NOI, NCF, and Capitalization Rates, for various investment banks and lenders based in the U.S.
  • Writing Asset Summary Reports (ASRs) with the help of online research, and third-party reports (PCA, Appraisals, ESA, Co-Star Reports)
  • Reconciling Property-level Bank statements with the revenue as per operating statements. and Property Tax with the tax reported as per operating statements.
  • Analysis of Third-Party reports including Appraisal Reports (Appraisal Review), Property Condition Reports (PCR), and Environmental Site Assessments (ESA).
  • Analyzed Sponsor financial statements (net worth) and credit history to determine willingness and capacity to repay proposed mortgage obligation.
  • Detailed evaluation of complex CMBS transactions, and further communicating with clients based in the U.S to recommend financial worthiness of loans.
  • Provided guidance and direction to junior staff members when needed.

Audit Associate

Ernst & Young (GDS) LLP
Gurgaon
11.2019 - 03.2021
  • Execution of audit in accordance with EY Global Methodology.
  • Performing Substantive audit procedures for EMEIA (Europe, Middle East, India and Africa) clients in accordance with IFRS.
  • Perform tests of key controls under SOX compliance to evaluate the operating effectiveness of controls over significant classes of transactions (SCOTs).
  • Perform substantive testing - analytical and test of details of significant accounts.
  • Assisted external auditors in preparing financial statements for public companies.
  • Prepared detailed workpapers documenting all audit evidence obtained during the course of an engagement.
  • Vouching-Filling in Vouchers and carrying out their Audit.

Education

CCA - Accounting And Finance

Association of Chartered Certified Accountant
01-2025

Bachelors of Commerce -

Delhi University
10-2018

Skills

  • Cashflow Analysis
  • Research abilities - Market and Property Research
  • MS-Suite
  • Detail Oriented
  • Multitasking

Accomplishments

  • Rewarded and Recognized with the Extra Miler Award.
  • EY Bronze Learning Badge - EY Better Me - "Wellbeing".
  • Commercial Real Estate Lease Modelling - Hosted by Udemy.

Timeline

Financial Analyst

MCube Advisors
04.2022 - Current

Audit Associate

Ernst & Young (GDS) LLP
11.2019 - 03.2021

CCA - Accounting And Finance

Association of Chartered Certified Accountant

Bachelors of Commerce -

Delhi University

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Archit Agarwal