Amit Deo

Commercial Lending and Business Analysis professional with 11+ years of experience across Commercial Real Estate (CRE), CMBS, CLO, multifamily, healthcare, and dealer loan servicing, spanning Loan Origination Systems (LOS), Loan Management Systems (LMS), and ACBS platforms. Skilled in requirements gathering, BRDs/FRDs, user stories, UAT, and stakeholder management, with hands-on experience designing lending solutions for Floor Financing, Subscription Lending, NAV Lending, Warehouse Lending, and Unitranche Lending. Combines a deep loan servicing operations background — modifications, syndications, escrow management, team leadership — with modern BA delivery including LOS–LMS integration, rule engine design, Borrowing Base Certificate (BBC) workflows, and executive reporting dashboards.

Senior Business Analyst - Idexcel - Hyderabad

(2025-04)

• Lead requirements gathering sessions with stakeholders to identify business needs, functional specifications, and system enhancements.
• Translate business requirements into user stories, functional specifications, and BRDs/FRDs for commercial lending products.
• Design enterprise LOS solutions for Floor Financing, Subscription Lending, NAV Lending, Warehouse Lending, and Unitranche Lending.
• Design configurable rule engines covering eligibility, advance rates, reserves, concentration limits, and collateral evaluation.
• Define LOS–LMS integration supporting loan booking, collateral synchronization, servicing events, and lifecycle management.
• Design Borrowing Base Certificate (BBC), LP Concentration, Curtailment, Out-of-Trust (OOT), Audit Monitoring, and Unit Monitoring workflows.
• Build operational and executive reporting dashboards, including Loan Pipeline, Portfolio Exposure, Borrowing Base, Dealer Inventory, and Credit Exposure.
• Collaborate with QA teams on test plans and support UAT; mentor junior analysts on process best practices.
• Apply working knowledge of CLO structures, including loan pooling, tranche-based payments, and investor payment waterfall.

Senior Consultant (inclusive of BA role) - Protiviti - Hyderabad

(2023-01 - 2025-04)

• Acted as primary Business Analyst for ACBS, managing end-to-end commercial loan servicing, rate resets, and accruals.
• Gathered and translated business requirements for ACBS enhancements, integrations, and new loan product setups.
• Led UAT and end-to-end loan lifecycle testing, logging defects in JIRA and coordinating production deployment.
• Led a team of 8 analysts overseeing mortgage data operations across origination, servicing, escrow, and securitization.
• Managed commercial loan closings from term sheet through funding and booking, including participations, syndications, and modifications.
• Reviewed loan documentation for compliance with credit approvals, bank policy, and federal/state regulations.
• Designed and maintained MIS reports and performance dashboards tracking KPIs, team productivity, and audit readiness.
• Supported syndicated lending, renewals, and loan modifications in partnership with Relationship Managers.

Senior Analyst II - New Day India Pvt Ltd - Hyderabad

(2021-02 - 2022-12)

• Reviewed final loan documents for accuracy, resolving discrepancies with the Closing department prior to funding.
• Calculated and posted escrow prepayments and upfront mortgage escrow premiums.
• Coordinated with title agencies, underwriters, and lenders to obtain and verify final title policies and trailing documents.
• Managed staff scheduling, workload distribution, and cross-training to maintain SLA targets during peak volumes.
• Reviewed team output for accuracy, provided technical guidance, and drove continuous process improvements.
• Served as primary client contact, maintaining relationships and ensuring team responsiveness to client requirements.

Senior Analyst - Berkadia - Hyderabad

(2014-10 - 2021-01)

• Managed loan servicing transfers, analyzing and uploading data for incoming loan pools, including DSCR, LTV, and threshold ratio review.
• Assessed property financial stability and forecasted income/expenses using historical data and market reports.
• Administered escrow accounts, ensuring timely property tax and insurance payments and monitoring borrower cash reserves.
• Trained and mentored new hires on servicing systems (McCracken, Strategy) and end-to-end loan lifecycle processes.
• Resolved borrower and investor queries within a 1-hour TAT; prepared financial statements and DSCR reporting.
• Prepared amortization schedules, processed journal entries, and reconciled daily fund disbursements and receivables.
• Quality-checked team output across the servicing portfolio to maintain accuracy and audit readiness.

MBA - Indira School of Business Studies (2012 - 2014)