➢ We have built client relationships through exceptional service, understanding client needs, and delivering high-quality work.➢ Managed primary and secondary data sources for financial modelling assignments, conducting data cleaning, preparation, interpretation, and analysis using statistical techniques and tools in Excel; managed project timelines and resources to ensure timely completion of financial modelling assignments.➢ Developed expertise in analysing and navigating diverse international real estate markets, providing tailored solutions to meet region-specific needs in countries like Europe, the Middle East, and the USA.➢ We applied quantitative solid skills in real estate underwriting, including Discounted Cash Flow (DCF), IRR, NPV, Time Value of Money, Return on Equity, and Debt Returns.➢ Actively involved in developing an in-house tool designed for commercial real estate cash flow analysis and valuation, demonstrating initiative and technical expertise.➢ Recognised for self-motivation, strong organisational skills, and ability to work independently and within a team under deadlines in a diverse, collaborative, and driven professional environment.➢ Proven skills in managing large deals, including initiating the underwriting process, conducting due diligence, preparing sizing models, and reviewing third-party reports.➢ Interacting with clients to review deals, discuss necessary changes, and ensure client satisfaction.

➢ Initiating the underwriting process for CMBS loans by gathering key due diligence information.➢ Overseeing the underwriting process for CMBS loans and conducting a detailed analysis of property modifications, Argus cash flow models, and Broker's Analysis.➢ Proven skills in managing large deals, including initiating the underwriting process, conducting due diligence, preparing sizing models, and reviewing third-party reports.➢ Interacting with clients to review agreements, discuss necessary changes, and ensure client satisfaction.➢ Assessed loan collateral focusing on DSCR, Debt Yield, and In-place/exit scenarios.➢ Participated in underwriting and due diligence for various CRE loan investments, preparing financial models, and reviewing third-party reports.➢ Analysed market and submarket trends, including inventory, absorption, rent, and vacancy trends.➢ Automated labour-intensive operations using Excel macros and functions, improving turnaround time.➢ Led comprehensive training sessions for new employees, covering key areas such as Sizing Model, Excel proficiency, and on-the-job best practices, enhancing team competency and productivity.

➢ Analysing financial statements to determine client and company creditworthiness using key metrics such as debt-to-equity ratio and debt service coverage ratios.➢ Conducted detailed borrower reports, examining factors like ability to pay, financial spreads, covenant testing, and collateral assessment.➢ Assigned Probability of Default (PD) and Loss Given Default (LGD) ratings to over 100 global corporate clients, providing comprehensive risk rating reasoning write-ups.➢ Reviewed guarantee documents, loan-to-value ratio, debt yield, property valuations, tax records, and personal financial accounts.➢ Approved loans within the lending authority and recommended exception loans to management.

➢ Specialising in US Mortgage's commercial properties, including offices, retail spaces, multi-family residences, industrial properties, hotels, and resorts.➢ Summarised and analysed financial information such as income statements, rent rolls, and cash flows.➢ Analysed Profit and loss components to determine available cash flow for debt repayment and additional financing.➢ Conducted lease abstraction for commercial real estate, examining lease provisions, operational statements, and other supporting documents.➢ Developed Excel macros and functions that automated manual operations, enhancing team productivity by 20%.➢ Contributed to Robotic Process Automation (RPA) for Financial Statement Analysis.➢ Recognised as part of the "Team of the Year" in 2019.

o Ensures compliance with established internal control procedures by examining records, reports, operating practices, and documentation.o Verifies assets and liabilities by comparing items to documentation.o Completes audit work papers by documenting audit tests and findings.o Communicates audit findings by preparing a final report; discussing findings with auditees.o Prepares special audit and control reports by collecting, analyzing, and summarizing operating information.o Perform risk assessment procedures to assess the risk of material misstatement at the Assertion level.o Understand the internal controls and its efficiency.o Performs Audit procedures and obtain audit evidence to draw a conclusion.