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Prachi Goyal

@prachigoyal3

Mortgage banking analyst at Berkadia who evaluated 100+ real estate transactions for loan sizing.

India
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At Berkadia Services India Pvt. Ltd., I analyzed 100+ multifamily and commercial real estate transactions, reviewing property financials, operating expenses, NOI, and cash flows for mortgage underwriting and credit assessment.

I used LTV, DSCR, and Debt Yield to support loan sizing and assess property-level credit risk. I also maintained Excel underwriting analyses and reconciled deal information using Fannie Mae and Freddie Mac agency templates, achieving 96% submission accuracy.

At Desire Holiday & Events, where I’m self-employed, I manage budgets across active projects and review budget-versus-actual performance. I also oversee vendor payments and reconciliations, and analyze pricing and billing discrepancies for cost-saving opportunities.

During my Summer Finance Intern role at Tata Power, I processed invoices and capitalization records using SAP FI/MM, monitored mutual fund transactions through MFUportal, and reconciled vendor ledgers. My MBA in Finance supports this work, along with project experience in DCF/WACC valuation and financial statement analysis.

Experience

Work history, roles, and key accomplishments

DE
Current

Self-Employed

Desire Holiday & Events

Mar 2026 - Present (7 months)

Managed monthly budgets across 15-20 active projects, performing budget vs. actual analysis. Oversaw vendor payments, advances, and reconciliations, maintaining accurate financial records.

BL

Mortgage Banking Analyst

Berkadia Services India Pvt. Ltd.

May 2025 - Jan 2026 (8 months)

Analyzed 100+ multifamily and commercial real estate transactions, reviewing property financials, revenue, operating expenses, NOI, and cash flows to support mortgage underwriting and credit assessment. Performed loan sizing and credit analysis using LTV, DSCR, and Debt Yield.

Tata Power logoTP

Summer Finance Intern

Tata Power

Jun 2024 - Jul 2024 (1 month)

Kept procurement and asset records accurate and audit-ready via SAP FI/MM invoice and capitalization processing. Supported liquidity and idle-cash management by executing and monitoring mutual fund transactions through the MFUportal.

Education

Degrees, certifications, and relevant coursework

Shiv Nadar University logoSU

Shiv Nadar University

MBA, Finance

2023 - 2025

Pursued an MBA in Finance, focusing on financial analysis, credit, and underwriting.

SC

S.S. Jain Subodh Girls P.G. College

B.Com, Commerce

2018 - 2021

Completed a Bachelor of Commerce degree, building a foundation in commerce and finance.

Tech stack

Software and tools used professionally

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