Andhoju Samyuktha

CRE & CMBS professional with 7+ years of experience in underwriting support, lease analysis, and commercial loan servicing across originations and servicing portfolios. Strong expertise in evaluating lease structures, rent rolls, and borrower financials to derive stabilized cash flows and assess credit risk. Hands-on experience in DSCR modeling, income underwriting, loan sizing support, and tenant risk analysis, including concentration and lease rollover exposure.

Proven ability to identify key risks, improve underwriting accuracy, and enhance operational efficiency through automation and process optimization.

Senior Associate – Transactions & Processing at Trimont (2025-03 – Present)

• Supported underwriting and servicing of CRE loans across office, retail, and residential asset classes, contributing to credit evaluation and investment decision-making
• Analyzed 40+ lease documents/month, including amendments and complex structures, to validate income streams and identify underwriting risks
• Performed end-to-end lease and cash flow analysis, evaluating tenant concentration, lease rollover risks, and income stability
• Built and validated DSCR models and cash flow projections to support loan sizing and credit feasibility assessments
• Evaluated key credit metrics including DSCR, LTV, and Debt Yield to assess loan risk and repayment capacity
• Identified discrepancies across lease agreements, rent rolls, and estoppels, improving data accuracy and reducing underwriting risk exposure
• Prepared client-ready lease abstracts and investment summaries, ensuring accurate interpretation of lease terms and financial impact
• Conducted residential lease audits by reconciling lease agreements with rent rolls to validate tenant data and rental income
• Provided underwriting insights and risk flags influencing lease approval and credit evaluation processes
• Improved operational efficiency through process enhancements, reducing manual errors and optimizing turnaround time (TAT)
• Developed SOPs, tracked performance metrics, and ensured SLA adherence across deliverables
• Trained and mentored team members on underwriting support, lease abstraction, and quality standards
• Designed and implemented a Microsoft Copilot–based AI solution to automate lease abstraction and QC checks, improving accuracy and reducing turnaround time

Senior Commercial Loan Servicing Representative at Wells Fargo (2019-02 – 2025-02)

• Reviewed and abstracted complex commercial lease documents (new leases, amendments, assignments, terminations, SNDAs, ground leases) supporting underwriting and servicing functions
• Extracted and validated critical lease data including base rent, escalations, CAM, taxes, insurance, and lease terms
• Analyzed property financials, operating statements, and market data to assess asset performance and support credit evaluation
• Built DSCR models and performed cash flow forecasting to evaluate financial viability and loan performance
• Reconciled lease documents with rent rolls and borrower financials, ensuring consistency and reliability of underwriting data
• Reviewed loan agreements, PSAs, and servicing documents to identify covenants, trigger events, and credit risks
• Supported lease approval and consent processes, ensuring compliance with internal credit policies and client requirements
• Conducted comprehensive due diligence across leases, estoppels, rent rolls, loan documents, and third-party reports (Appraisal, PCR, Seismic, REIS, ASR)
• Collaborated with legal and treasury teams on lease-related notices, including lockbox and cash management structures

MBA in Finance – Osmania University (2017 – 2019)

B.Com in General – Osmania University (2014 – 2017)