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Megha Middha - Senior CRE Analyst

Location: Gurgaon, India

Compensation range discussed: $1,500 - $2,300

LinkedIn Profile | email: megha7middha77@gmail.com | Phone: +91 86990 15077

Schedule Availability: 9:00 PM – 7:00 AM EST

Summary

Financial Analyst with 5+ years of experience in Commercial Real Estate, including 2+ years directly supporting the US market at Janover (NASDAQ-listed). She specializes in multifamily underwriting and credit risk analysis, strictly adhering to Fannie Mae and Freddie Mac guidelines. Her expertise involves analyzing complex financial documents, including Rent Rolls, Operating Statements, and US tax returns, and critically reviewing third-party reports such as Appraisals and Offering Memorandums (OMs) to ensure accurate deal assessment. Beyond analytical roles, she possesses digital marketing experience using Canva and AI tools like ChatGPT to generate content and optimize workflows. She holds a Masters in Management from University of Edinburgh and is proficient in Advanced Excel for financial modeling having collaborated with US-based teams to manage due diligence for conventional loan transactions.

Meet Megha

This video from our screening interview provides a look into Megha's background and experience:

Candidate Snapshot

US-Based Commercial Real Estate Experience

• 2+ Years of Direct US Market Support: Served as a Senior Financial Analyst for Janover, a NASDAQ-listed fintech company headquartered in Boca Raton, Florida.  

• Agency Lending Compliance: Gained extensive experience underwriting conventional loans, strictly adhering to Freddie Mac and Fannie Mae guidelines.  

• Cross-Functional Collaboration: Collaborated directly with US-based relationship managers and cross-functional teams to prepare complete underwriting packages aligned with agency lending standards.  

• Credit Risk Analysis: Previously worked as a Financial Analyst at Evalueserve, spreading borrower financial statements and evaluating key credit metrics per US bank credit guidelines.

Commercial Real Estate Expertise

• 5+ Years of CRE Experience: Demonstrated a strong progression from an Intern at WNS Global Services to a Senior Financial Analyst role, specializing in multifamily underwriting and credit risk analysis.  

• Complex Financial Analysis: Expert in spreading and analyzing complex financial documents, including Rent Rolls, Operating Statements, and US Tax Returns (forms 1040, 1065, 1120S, 990).  

• Due Diligence & Securitization: Experienced in performing re-underwriting for securitizations, preparing Asset Summary Reports (ASRs) for CMBS and CLO securitizations, and conducting detailed trend analysis of CRE assets.  

• Third-Party Report Review: Skilled in critically reviewing third-party reports, including Appraisals, Engineering Assessments, and Environmental Studies, to ensure accurate deal assessment and risk evaluation.

Real Estate Documentation & Marketing

• OM Analysis & Creation Interest: While her primary experience involves critically reviewing Offering Memorandums (OMs) to identify errors and ensure accuracy, she is proactively seeking to leverage AI tools to create OMs from scratch.  

• Design & Content Creation: Possesses a one-year background in digital marketing (during a gap year in a family business), where she directed design work using Canva, guiding creative outputs and preparing project reports and presentations for investors.  

• Deal Packaging: Has hands-on experience compiling comprehensive loan packages, including financial data and market insights, to support underwriting decisions.

Education

• Masters in Management | University of Edinburgh Business School, United Kingdom (2018) 
 • Bachelor of Commerce | Punjab University (GGDSD College), India (2017)

Tools & Technologies

• Financial & Data: Advanced Excel (Formulas, Modeling, Dashboards), OCR tools. 
• Design & Presentation: Canva (Intermediate), Microsoft PowerPoint (Intermediate). 
• AI & Productivity: ChatGPT (Advanced - used for workflow optimization and communication), Slack, Dropbox, HubSpot.

Key Qualifications & Highlights

• Workflow Automation & Efficiency: Identified a bottleneck in the underwriting process where manual data entry was delaying deals. She independently formulated an Excel template and utilized OCR technology to scan and organize documents, creating a standardized process that saved an entire day in the underwriting timeline.  

• Hybrid Analytical & Creative Profile: uniquely combines 5+ years of rigorous financial underwriting (analyzing tax returns and credit risk) with a digital marketing experience using Canva. This allows her to not only understand the financial "story" of a deal but also visualize it effectively for presentation materials.  

• Advanced US Tax Proficiency: Possesses specific technical knowledge of US Tax Returns (1040, 1065, 1120S, 990), enabling her to isolate borrower income and perform accurate tax adjustments on joint returns—a skill often requiring significant training for non-US candidates.  

• AI-Driven Workflow: Actively integrates ChatGPT into her daily operations, using it to refine professional communication, troubleshoot complex Excel formulas, and optimize content generation, demonstrating a proactive approach to adopting new technologies.

Screening Interview - Key Observations

• Nuance in Market Knowledge: She identified Appraisal Reports (specifically citing Cushman & Wakefield as a quality benchmark) as her primary mechanism for learning US market dynamics, using them to cross-reference sales and rent comparables against her underwriting. Additionally, she noted that her tenure at Janover expanded her scope beyond Multifamily to include broader Commercial asset classes, requiring her to adapt to diverse borrower financial structures.  

• Visual Presentation Approach: Regarding her marketing experience, she clarified her role was often to direct/manage rather than purely execution-based. She is comfortable defining the "sound" and visual structure of a presentation (e.g., selecting specific chart types like bar graphs over series lines to better visualize data) and delegating the pixel-perfect design work, though she is willing to execute using tools like Canva when necessary.  

• Task Preference - "Stable" Financials: She expressed a preference for analyzing "boring" financials, noting that stable numbers often indicate a healthier deal. She enjoys the forensic process of taking raw, often messy borrower data (monthly statements) and aligning it into a standardized T12 format for the model, rather than just receiving perfect data to process.  

• Area for Development - OM Creation: She was transparent about the distinction between her current expertise and the role's requirements regarding marketing materials. While she has extensive experience reviewing Offering Memorandums (OMs) and Broker Opinions of Value (BOVs) to detect underwriting errors, she has never created a full OM package from scratch. She views this as her primary learning curve and intends to leverage AI to bridge this gap.