Niveditha Paladugu
Team Coach, Underwriting
Hyderabad
Summary
Accomplished underwriting professional specializing in U.S. Commercial Mortgage-Backed Securities (CMBS) transactions across multifamily, affordable housing, commercial, and hospitality sectors. Proficient in financial analysis, collateral valuation, and due diligence review with hands-on experience in loan origination and securitization processes. Demonstrated expertise in risk assessment through meticulous analysis of financial and other reports. Skilled at leading and mentoring high-performing teams, promoting collaboration, and fostering continuous improvement in fast-paced, results-oriented environments.
Overview
6
6
years of professional experience
5
5
years of post-secondary education
3
3
Languages
Work History
Team Coach
Situs AMC India Private Limited
12.2024 - Current
- Experienced in loan underwriting, supporting large U.S.based Commercial Mortgage-Backed Securities (CMBS) transactions for leading global investment bank across a range of property types including multifamily, affordable housing, commercial, and hospitality assets.
- Responsibilities include evaluating the financial performance of collateral and borrowers through detailed analysis of financial statements, rent rolls and appraisal reports.
- Regularly manage and monitor due diligence activities, ensuring accurate interpretation and summarization of critical loan documents and third-party reports.
- Performed year-over-year cash flow trend analyses to assess asset performance and risk, reviewing loan stips at various underwriting stages, and prepare comprehensive asset summary reports to support investment and credit decisions.
- Gained hands on experience supporting the securitization of U.S. mortgage loans by analyzing loan-level data, borrower credit profiles, and due diligence reports to ensure compliance with investor and rating agency standards.
- Performed valuation analysis of U.S. mortgage loans by assessing property appraisals, rent rolls, financial statements, and market data to determine collateral value and support loan underwriting and investment decisions.
- Proven experience in leading and coaching high-performing teams in fast-paced environments, with a focus on achieving individual and team goals, fostering collaboration, and driving continuous improvement.
- Skilled in identifying strengths, delivering constructive feedback.
- Committed to creating a supportive environment that empowers team members, strengthens accountability, and achieves organizational objectives.
Quality Specialist
Berkadia Services India Private Limited
01.2020 - 12.2024
- Assisted US mortgage bankers and investment sales advisors with comprehensive financial analysis for commercial real estate properties including multifamily, affordable housing, commercial.
- Provide initial loan quotations, property valuation, LTV, DSCR, spreads, and other critical financial parameters.
- Developed narrative reports, detailing property assessments, and market conditions to support decision-making processes.
- Gained knowledge in interpreting and utilizing third-party reports including appraisals, environmental assessments, and market surveys to inform risk assessments.
- Conducted quality checks on new hires and provided feedback to drive high performance.
- Mentored and coached new employees, sharing best practices. Streamlined processes through team calibration and workflow improvements. Led over 650 hours of training sessions to boost team skills and productivity.
- Partnered with leadership to develop process maps and training strategies.
- Identified and resolved process gaps, recommending optimization solutions.
- Tested internal tools and provided feedback for functionality improvements.
- Maintained strong stakeholder communication to align with project goals.
Education
Post Graduation Diploma - Finance
Vignana Jyothi Institute of Management
01.2018 - 01.2020
Bachelor of Business - Finance
St. Ann's College
01.2015 - 01.2018
Skills
- Proficient in MS Office applications
- Analytical problem solving
- Strong attention to detail
- Ability to adjust to new challenges
- Mentoring and coaching
- Effective communication
- Collaborative stakeholder relations
- Strategic decision making
- Team Player
Awards
- Received several quarterly awards for maintaining productivity and quality requirements.
- Recognized for creating and implementing training initiatives.
Additional Interests
Member of Woliba (Work-Life Balance) and CSR committees.
Timeline
Team Coach
Situs AMC India Private Limited
12.2024 - Current
Quality Specialist
Berkadia Services India Private Limited
01.2020 - 12.2024
Post Graduation Diploma - Finance
Vignana Jyothi Institute of Management
01.2018 - 01.2020
Bachelor of Business - Finance
St. Ann's College
01.2015 - 01.2018
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