Summary
Overview
Work History
Education
Skills
Hobbies and Interests
Accomplishments
Languages
Timeline
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Varsha Goyal

Faridabad

Summary

Results-driven Credit Expert with extensive experience at Berkadia, excelling in loan underwriting and risk evaluation. Proven track record in preparing high-quality credit packages and mentoring teams. Skilled in data interpretation and cross-functional collaboration, achieving recognition for maintaining exceptional quality standards in loan submissions.

Overview

8
8
years of professional experience

Work History

Credit Expert – Underwriting Team (Fannie Mae)

Berkadia
Gurgaon
02.2023 - Current
  • Led end-to-end underwriting of multifamily loans, aligning with Fannie Mae guidelines across U.S. market.
  • Reviewed loan due diligence materials, created cash flow projections, assessed risks, prepared presentations for loan committees, and coordinated with various parties involved in the loan process.
  • Reviewed third-party reports, including Appraisal Reports, Physical Condition Report, Zoning Report, Survey, and Environmental Site Assessments.
  • Performed various tasks as assigned by the underwriter, which include ordering market reports and credit reports, conducting real estate tax searches, running crime searches, and searching internet sources (e.g. Google for sponsor, property, and market news.
  • Prepared credit packages and loan narratives, incorporating financial analysis and market metrics into the UW model.
  • Analyzed and evaluated multifamily real estate transactions to determine the creditworthiness of borrowers, and the risk associated with proposed loans.
  • Drafted underwriting packages and loan narratives, which include detailed analyses of the transaction's strengths and weaknesses, market analysis, financial analysis, risk assessments, and recommendations.
  • Performed quality assurance for other underwriting teams for final loan package delivery.
  • Mentored junior analysts to enhance team knowledge and skills.
  • Participated in Berkadia’s Cultural Committees, contributing to employee engagement initiatives.

Underwriter

SitusAMC
Gurgaon
12.2020 - 02.2023
  • Executed loan sizing, underwriting coordination, and submission for high-profile CMBS loan packages.
  • Promoted to Client Lead within six months, ensuring quality delivery of work.
  • Conducted periodic reviews of existing loans for compliance with established policies.
  • Compiled reports summarizing analysis results for management review.
  • Trained and led a team of five members as Lead Trainer and QA/QC reviewer.
  • Achieved R&R awards in June 2021 and April 2022 for maintaining over 98% quality score.
  • Facilitated communication with lenders, brokers, and external partners involved in transactions.
  • Evaluated potential risks for each transaction prior to loan approval.

Financial Analyst

MCube Financial LLC
Gurgaon
10.2018 - 12.2020
  • Performed financial modeling, portfolio valuation, and loan metric comparison using DSCR and Debt Yield.
  • Provided training and mentoring to junior team members and supported cross-functional tasks.

Intern

IndusInd Bank
New Delhi
02.2018 - 05.2018
  • Served as lead Forex advisor; handled 100+ client queries daily.
  • Recommended marketing strategies to improve customer satisfaction and retention.

Education

MBA - Finance

ICFAI Business School
Gurgaon
02.2019

B.Com -

PGDAV College, Delhi University
New Delhi
07.2015

Skills

  • Loan underwriting
  • Risk evaluation
  • Appraisal review
  • Data interpretation
  • Cross-functional collaboration
  • Market research
  • Quality assurance
  • Credit risk assessment
  • Loan presentation preparation
  • Training & Development
  • Power BI
  • MS Excel, Word, and PowerPoint

Hobbies and Interests

  • Yoga and fitness (certified in health and weight management)
  • Book reading
  • Dancing
  • Cycling

Accomplishments

  • Circle of Excellence Award in Q1 2024 at Berkadia
  • R&R Award for outstanding performance at the workplace for Q1 2021 and Q2 2022 in SitusAMC

Languages

Hindi
First Language
English
Proficient (C2)
C2

Timeline

Credit Expert – Underwriting Team (Fannie Mae)

Berkadia
02.2023 - Current

Underwriter

SitusAMC
12.2020 - 02.2023

Financial Analyst

MCube Financial LLC
10.2018 - 12.2020

Intern

IndusInd Bank
02.2018 - 05.2018

MBA - Finance

ICFAI Business School

B.Com -

PGDAV College, Delhi University

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Varsha Goyal