Geetanjali Singh Bhadauria
Associate — Commercial Real Estate Debt & Loan Portfolio Management
Summary
Commercial real estate loan servicing analyst with 4 years of experience. I've checked insurance certificates and policies against loan requirements, reconciled property taxes from title and loan documents, and worked across both multifamily loans (Freddie Mac and Fannie Mae, for CBRE Loan Services) and wider commercial real estate loans. I started as a process associate and was promoted to a senior role, where I ran quality checks and decided how work was shared across the team. I'm now in Brighton with full right to work in the UK, looking for a loan servicing or CRE analyst role.
Core Skills
CRE Debt & Loan Management: Loan servicing after close; loan administration; portfolio monitoring; loan agreement review; covenant compliance (insurance, tax and documentation); investment and development loans; pre-closing due diligence; borrower reporting; quality control; work allocation
Financial Analysis: DSCR cashflow underwriting; cash-flow modelling; loan sizing; credit memos; escrow analysis (disbursement, cushion, low-point, shortage and surplus); property tax reconciliation
Documentation: Loan agreements; deeds of trust and mortgage deeds; title commitments; appraisals; PCR and third-party reports; insurance policies; ACORD and flood certificates; premium invoices
Compliance: Insurance compliance against loan requirements; flood insurance; property tax; RESPA escrow rules, and how CRE lender-required escrows differ
Systems: Enterprise! loan servicing system; Excel (multi-tab trackers and models); Word; PowerPoint; Outlook; AI-assisted document review
Professional Experience
SitusAMC — AnalystApril 2022 – August 2023
Gurugram, India
- Looked after a portfolio of commercial real estate loans after close, reviewing 5 a day in the Enterprise! servicing system. Stabilised and construction properties both, inside a 5-day turnaround.
- Read each loan agreement to work out the cover it required, then checked the borrower's certificates, policies, flood certificates and premium invoices against it and flagged anything that fell short before sign-off.
- Raised the gaps with the lender client and stayed on them until they were closed out.
- Wrote up the audit confirmation letters and gathered the supporting documentation onshore lender teams needed throughout the 16-month engagement.
Genpact — Senior Process AssociateApril 2021 – April 2022
Gurugram, India
- Reviewed 4 pre-closing deals a day and quality-checked another 3–4 of colleagues' files, catching errors before financial close and deciding how the day's work was split across the team.
- Ran property tax reconciliation on 6–7 loans a day. That meant finding the legal description and parcel number on the title commitment, deed of trust or mortgage deed, passing them to the tax vendor, and clearing the report before close within the 3-day SLA.
- Went through property and liability insurance certificates, flood and earthquake cover included, along with appraisal reports, pulling out the details that mattered and updating each file.
Genpact — Process AssociateJuly 2019 – April 2021
Gurugram, India
- Prepared pre-closing files for CBRE Loan Services on Freddie Mac and Fannie Mae multifamily loans, reviewing 7–8 deals a day, ordering 5–6 flood certificates, and uploading each file into the servicing system, all inside a 3-day deadline.
- Added the application, third-party and PCR reports, insurance certificates and appraisal details to each file, and made sure nothing was missing across the day's 7–8 deals.
- Checked the property and liability (ACORD) certificates and PCR reports, then organised each deal's closing documents into a clean, audit-ready folder structure for the onshore team.
Projects
- Built a workspace that carries a CRE loan from application through to post-closing: deal intake, loan sizing, DSCR cashflow underwriting, a credit memo it writes itself, and a closing-conditions checklist.
- It runs its own numbers on the deal file and flags where they don't match the documents, with a recommended value, so the underwriter sees the variance before it costs anything.
- Checks insurance and catastrophe coverage with AI assistance, and puts loan amount, LTV, DSCR and the risk flags on a single screen.
- Runs a loan's tax and insurance escrow from closing setup through to the annual analysis: disbursements, cushion sizing, low-point, shortage and surplus. It follows the escrow rules in the loan documents rather than RESPA.
- Projects the 12-month balance against the required cushion, so a tax reassessment or a policy about to lapse shows up before it turns into a shortfall.
Education
Master of Business Economics — University of Lucknow, India
2015 – 2017Bachelor of Commerce — University of Lucknow, India
2011 – 2014Awards & Languages
Certificate of Recognition, Genpact — internal performance recognition.
Languages: Hindi — Native | English — Fluent