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Leverage the market, legal, and product thought leadership of our industry experts to devise processes that lead to cost – optimization and reduction. Utilize knowledge and technological solutions including automation to optimize financial statement analysis and rent roll analysis for all property types. The end-to-end solution includes setting up the covenant set-up, loan boarding solution, escrow set up and tracking, invoice tracking and payment, draw requests, compliance review of certificates received for property insurance, UCC set up & renewal follow up, and cash management support. Servicing support includes statement collection based on covenant requirements, operating statement analysis including quarterly & annual reporting services based on collected statement & covenant analysis, and portfolio monitoring. Leverage next-gen technologies to undertake portfolio valuation and review loan performance. Initiate periodic portfolio valuation activities to evaluate risk diversification & risk aversion measures and adhere to pre-set parameters.
Analysis and reporting of the loan performance based on operating statement following industry standards for various capital sources.
Detailed spread of rent roll for various property types with attention to various unit types for different property types that drive further analysis.
Periodic valuation of the portfolio held by the client and detailing the additional envisioned risk and providing support in creating provision for the risk identified.
Detailed and in-depth review of loan agreements/and or multifamily loan and security agreement/senior note/mezzanine loan agreement and assignments to abstract and set up the insurance-related requirements to client system/excel based system.
Ensure the expired certificates are received on time by following up with agents. Confirm that the received certificates are compliant with requirements based on various capital sources, including FNMA/FMAC/balance sheet.
Efficient management of all incoming emails based on perusal of content and reverting or raising a flag to the respective group.
Follow-up and collect documents relating to property performance based on loan covenants and insurance renewal certificates.
Review and approve CAPEX request/reserve draw request based on the audit of invoices, and approved loan amount with desired flags raised for any duplicate or non-conforming items.
Boarding/set up of escrow details based on closing documents.
Set up of original UCC based on the abstraction of details of the lender from loan agreement, allonges, and assignment document, follow up on renewal UCCs and ensure they are current.
Abstracting the covenant requirements from the loan agreement, monitor the conditions for timely submission of desired documents by the borrower.
Ensure the inspection report presented by the site inspector follows the standards defined by the various capital source.
Detailed analysis of possible scenarios to ensure the loan that is in default stage is brought to its current status.
Comparison of basic economic terms between the lease agreement and rent roll with red flags raised for identified discrepancies.
Review and compare terms based on estoppel to rent roll and or lease agreement.
Preparing detailed memo for lender approval/credit committee approval.
Review borrower-provided statements to the information available with asset managers in client systems.
Reconciliation of book and bank balances, with variances identified, investigated, and cleared or reported with appropriate aging for further follow-up.
Periodic reporting of portfolio performances based on analyzing the underlying loan performances to investors.
Ensuring the collection, movement, and posting of funds are handled appropriately to lockbox accounts and other relevant accounts.
Creating, updating, and calculating cash flow distribution to real estate equity investors based on GP/LP partnership interests.
Sanjay brings over 25 years of rich experience and domain competency in Commercial Real Estate Finance, Mortgage Servicing, Asset Management and Financial Services. In his role as a CRE business leader, he is responsible for leading business development, digital transformation, and growth strategies. He is also closely associated with the management and development of quality and information security management systems and RPA (Robotics Process Automation) at the organizational level.
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