Yoshita Budhraja

About Yoshita Budhraja

I am an accomplished finance professional with over 4 years of excellent experience in financial statement analysis. As a Financial Analyst, I provide value by helping businesses make well-informed financial decisions that lead to long-term success.With a strong finance and data analysis background, I have developed a keen eye for identifying trends and patterns that can drive growth and improve financial performance. I Possess excellent problem-solving, analytical, and technical troubleshooting skills and committed to seek and create quality improvements to existing processes. I am always looking for new challenges and opportunities to grow my skills and expertise in finance. I can reached out at b••••••••@gmail.com or via linkdein for exciting opportunities.

Experience

1. Senior Financial Analyst (L1)

   Silverskills Private Limited

   Jun 2024 — Present · Gurugram, IN

   o Performed in-depth financial analysis of multifamily and commercial real estate assets, including quality assurance of financial statements and rent roll data to ensure compliance with U.S. capital market standards (Fannie Mae, Freddie Mac, FHA).o Developed and maintained detailed Excel-based financial models to forecast property-level performance, cash flows, and key metrics such as NOI, NCF, DSCR, and LTV; benchmarked actuals against historical and projected data to support valuation and lending decisions.o Conducted financial spreading and normalization of borrower financials, reconciling income statements and adjusting for regulatory requirements and investor-specific underwriting guidelines.o Led sensitivity and scenario analysis to assess impact of operational changes, occupancy shifts, and interest rate variations on asset profitability and debt coverage ratios.o Designed and enhanced spreadsheet tools for variance analysis, expense optimization, and rental income forecasting using advanced Excel functions including nested formulas, lookup tools, and conditional logic.o Collaborated directly with client teams, underwriters, and senior stakeholders to communicate key findings, present model outputs, and resolve data inconsistencies, contributing to project transparency and risk mitigation.o Mentored new analysts by establishing training processes and quality checkpoints, reducing onboarding ramp-up time and improving team-level efficiency.

Education

• XLRI Jamshedpur

  PGDM (Finance), Finance, General

• Delhi Public School Rohini

  Commerce

  2003 — 2017

• Delhi University

  Bcom hons, Business/Commerce, General

  2017 — 2020