PRIYA KHANNA
New Delhi
Summary
Commercial real estate finance analyst with expertise in FHA and multifamily underwriting. Proficient in loan sizing and financial modeling, delivering accurate assessments to stakeholders. Experienced in managing stakeholder relationships and training team members to enhance performance.
Overview
2
2
Languages
5
5
years of professional experience
Work History
Senior Financial Analyst - Underwriting
Mcube Financials
Gurugram, Haryana
10.2025 - Current
- Underwrite U.S. mortgage loans across multiple asset classes, including residential, mixed-use and commercial properties, in accordance guidelines.
- Conduct comprehensive appraisal reviews to validate property valuation, comparable sales, adjustments, and overall report accuracy in line with underwriting guidelines.
- Prepare comprehensive Asset Summary Reports (ASR) by consolidating financial, collateral, and borrower data to support credit decisions.
- Analysed borrower and sponsor profiles, assessing financial strength, liquidity, net worth, experience, and creditworthiness to support credit evaluations.
- Summarised property details, including asset type, location, condition, tenancy, and income-generating capacity, to inform underwriting decisions.
- Conducted market and neighbourhood analysis to identify demand-supply trends, comparables, rental trends, and economic factors impacting asset performance.
- Evaluate land access, zoning compliance, and legal considerations affecting property usability and valuation.
Analyst Investment Modelling
Jones Lang LaSalle
Gurugram, Haryana
07.2023 - 07.2025
- Independently performed loan sizing and structuring for FHA, including new construction and refinance transactions, with deliverables submitted directly to stakeholders without secondary review.
- Conducted loan sizing using Debt Service Coverage Ratio (DSCR), Loan-to-Value (LTV), and market assumptions for multifamily and affordable housing transactions.
- Analyzed property-level financials, including rent rolls, operating statements, and historical cash flows, to support underwriting and lending decisions.
- Acted as a subject matter expert for FHA multifamily loan sizing and environmental due diligence, providing guidance to peers on complex underwriting scenarios.
- Conducted environmental reviews assessing potential hazards around properties, incorporating findings into underwriting recommendations to mitigate risks.
- Collaborated with senior leadership to develop and document standard operating procedures (SOPs), enhancing process consistency and facilitating knowledge sharing across the team.
- Served as the primary trainer and mentor for new team members on FHA loan sizing methodologies, environmental review processes, and multifamily underwriting best practices.
- Led knowledge transfer sessions and created training materials that streamlined onboarding for new team members and increased overall team productivity.
- Demonstrated ownership of complex assignments by independently managing multiple transactions simultaneously while consistently meeting quality standards and deadlines.
Associate Commercial Lending
Acuity Knowledge Partners
Pune, Maharashtra
02.2023 - 07.2023
- Analysed and spread financial statements, including rent rolls and operating statements, to evaluate property performance and facilitate informed loan underwriting.
- Reviewed appraisal reports to extract and consolidate relevant financial, market, and property-level insights for comprehensive deal evaluation.
- Calculated property value using the market capitalisation method, incorporating cap rate analysis and income-based valuation.
- Conducted exit analysis and evaluated rent rollover exposure to identify long-term property risks and enhance tenant retention strategies.
Financial Analyst
Silverskills Pvt. Ltd.
Gurugram, Haryana
07.2021 - 02.2023
- Calculated key performance metrics such as occupancy rate, gross potential rent, DSCR, LTV, IRR, and other underwriting ratios to support investment decisions.
- Reviewed Commercial Real Estate (CRE) financial statements, including income statements and rent rolls, to assess asset performance and underwriting risk.
- Performed loan re-rating analysis by adjusting for changes in operating income, market conditions, and loan-specific risk metrics.
- Determined property values using income capitalization methods, incorporating key factors such as cap rates and growth assumptions.
- Executed reconciliation processes for income statements within equity investment workflow, ensuring accuracy of reported financial performance.
- Spread and analyzed balance sheets and operating statements, coded line items, and ensured consistency with prior reporting periods.
- Normalized operating statements using trend analysis to identify anomalies and support accurate financial forecasting.
- Facilitated functional setup of major pilot project by extracting qualitative data from appraisal reports, enhancing valuation and underwriting decisions.
- Conducted investor reporting tasks including report downloads, key ratio calculations, and performance summaries.
- Assisted in development of equity reporting process, including investor OC, to improve reporting accuracy and investor transparency.
Education
PGDM - Finance
JIMS Kalkaji
New Delhi, New Delhi06-2021
B.com - finance
Banaras Hindu University
Varanasi05-2019
Skills
- Financial Modelling
- Financial forecasting
- Cash flow modelling
- Debt service coverage
- Appraisal review
- Financial reporting
- Proficient in MS Excel
- Strong analytical and conceptual skills
- Stakeholder engagement
- Effective communication skills
- Stress management
- Financial reporting
Languages
English
Hindi
Timeline
Senior Financial Analyst - Underwriting
Mcube Financials
10.2025 - Current
Analyst Investment Modelling
Jones Lang LaSalle
07.2023 - 07.2025
Associate Commercial Lending
Acuity Knowledge Partners
02.2023 - 07.2023
Financial Analyst
Silverskills Pvt. Ltd.
07.2021 - 02.2023
PGDM - Finance
JIMS Kalkaji
B.com - finance
Banaras Hindu University