Sagarika Mehra

I’m a Senior Mortgage Banking Analyst with 3+ years of experience in U.S. CRE underwriting, where I’ve executed 200+ transactions and contributed to $1.3B+ in closed loan production across Freddie Mac, Fannie Mae, and Debt Fund/Bridge structures. I’m used to balancing speed and rigor—delivering consistent underwriting outputs even under tight deadlines.

I specialize in end-to-end deal execution, from preliminary sizing and credit narrative preparation through closing coordination. I support a wide range of loan types—Refinance, Acquisition, Supplemental, and Construction—and I’ve performed preliminary underwriting across Multifamily, Manufactured Housing, Student Housing, and Commercial asset classes.

On the credit and risk side, I analyze operating statements, rent rolls, and cash flow projections to assess collateral performance, borrower financial strength, leverage, liquidity, and DSCR for credit decisions. I also drive affordability testing and exit testing, and I complete third-party report reviews (appraisal, PCA, Phase I ESA, zoning, and survey) to validate underwriting assumptions.

As an India-based senior analyst supporting U.S. Mortgage Banking leadership, I’ve owned market and submarket evaluation, variance analysis, and advanced Excel financial modeling for preliminary sizing and soft quotes—supporting transactions ranging from $25M–$120M. I also mentor others (training and quality control) while continuously improving workflows to enhance documentation efficiency, turnaround times, and analytical standards.