Haripriya Seethala

Commercial Mortgage Underwriting professional with 5+ years of experience in U.S. Multifamily and Commercial Real Estate lending. Strong expertise in financial statement analysis, cash flow modeling, credit risk assessment, and income underwriting for complex commercial properties.

Extensive experience supporting agency loans associated with Fannie Mae and Freddie Mac. Proven ability to analyze borrower financial strength, property performance, and market risk while ensuring compliance with investor and regulatory guidelines.

Senior Financial Analyst – Commercial Mortgage - Berkadia - Hyderabad

(2020-03)

• Support underwriting and credit evaluation of Multifamily, Mixed-Use, Student Housing, and Commercial Real Estate loans.
• Perform detailed property-level cash flow analysis (NOI, DSCR, LTV, Debt Yield) for agency and commercial mortgage transactions.
• Analyze borrower financials including: Business Tax Returns, Rent Rolls, Operating Statements (T-12 & YTD)
• Analyze the financials of Small Business and Commercial Real Estate loans, providing structured credit recommendations to mortgage bankers.
• Coordinate with third-party entities including PENSAM and ZIDAN.
• Support HUD-related loan processing including market and submarket analysis.

Quality Check Analyst - Berkadia - Hyderabad

• Review and audit files prepared by new analysts.
• Ensure compliance with investor, agency, and internal guidelines.
• Mentor and train analysts on: Cash flow calculations, Income analysis, Agency requirements, Deal structuring best practices
• Conduct refresher training sessions on commercial underwriting standards.
• Lead one-on-one performance review discussions and process improvement sessions.

MBA - Finance - Bengaluru City University (2020)

Bachelor of Commerce - B.Com - Acharya Nagarjuna University (2016)