Berkadia · Software Engineer
Updated · 2026-09-24

Berkadia Software Engineer
Interview Questions & Guide 2026

THE 60-SECOND BRIEF

A Software Engineer at Berkadia plays a pivotal role in bridging the gap between complex financial services and high-performance technology. You are not just writing code; you are building the digital infrastructure that powers a leader in commercial real estate and investment banking. Your work directly impacts how the business processes data, manages investments, and delivers value to clients in a fast-paced, competitive market.

Most rounds test how you handle an under-specified problem more than what you recall. A wrong first approach you correct out loud is recoverable; a constraint you assumed silently and were never given is the expensive mistake.

Berkadia candidates report 3 rounds · ≈ 3-5 weeks. The stages below are what candidates describe, not a published process.

Bound blast radius with per-tenant concurrency limitsMake every write idempotent under client retriesBuild at-least-once pipelines with explicit deduplication horizons

37 min read

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15Practice promptsAcross five skill areas
3With worked solutionsIncluded in the practice prompts

A Software Engineer at Berkadia plays a pivotal role in bridging the gap between complex financial services and high-performance technology. You are not just writing code; you are building the digital infrastructure that powers a leader in commercial real estate and investment banking. Your work directly impacts how the business processes data, manages investments, and delivers value to clients in a fast-paced, competitive market.

The role demands a balance of technical depth and practical problem-solving. You will contribute to the development of robust, scalable applications, often working within a modern, data-driven environment. Whether you are optimizing REST APIs, managing database interactions, or contributing to microservices architecture, your influence is felt across the engineering team and the broader organization.

This position is ideal for engineers who thrive on collaboration and are eager to solve real-world problems. You should expect to work in an environment that values clean code, maintainability, and the ability to articulate your technical decisions clearly. While the work is intellectually rigorous, the culture emphasizes team-based success and continuous improvement.

01

Initial Screening Call

reported

Before anything technical happens, someone has to decide which rung of the ladder your loop is calibrated to, and that decision sets the bar for every round after it. It comes from how you describe scope, not from your title, because titles do not convert cleanly between companies. The weak version of the answer is team size and years. The strong version names the largest change you shipped where nobody reviewed the design, what would have broken if you had been wrong, and what you were paged for. Get the level said out loud on this call, because the range and the loop both follow from it.

What to demonstrate

  • Whether the scope in your own account maps onto a level the team actually has an opening at, so a mismatch ends the process cheaply rather than after four interviewers have spent a day
  • Whether your title needs re-mapping: the same word describes very different amounts of independent decision-making at a twenty-person company and a ten-thousand-person one
  • Whether your compensation expectation can be filled at that level in the structure the role pays in, which is why the number gets asked for before any engineer is scheduled

How to prepare

  • Write down two changes from the last two years: the largest one you designed with nobody reviewing the design, and the largest one where someone more senior did. Lead with the first when scope comes up, and be ready to say which parts of the second were yours
  • Ask which level the loop is calibrated to and what changes at the level above it, then plan your weeks from that answer rather than from the posting
  • Settle a total-compensation range beforehand with the split named, base against bonus against equity and its vesting period, so a question about numbers gets a number instead of the word market
PracHub interview research ↗
02

Technical Interviews

reported

The same problem is scored by two different mechanisms depending on the format, and preparing for one does not cover the other. With a person watching, partial progress is visible and a hint is a correction you can absorb; silence is the expensive failure, because nobody can read a half-written function. With an automated grader there is no partial credit for what you were about to do, nobody to ask, and the worked examples in the prompt are the entire specification. Read them as a contract, down to whether an empty result should be an empty list or no output at all.

What to demonstrate

  • In a live session, whether your commentary tracks what your hands are doing, and whether a hint redirects you or gets defended against
  • In an automated one, whether you cover the cases the examples do not show, since the hidden cases are where the score moves
  • Whether you manage the clock on purpose: abandoning an approach that is not converging while there is still time to write something simpler that finishes

How to prepare

  • Have someone hand you a problem and feed you one deliberately wrong hint. Practise testing it against a concrete case instead of accepting or rejecting it on authority.
  • Do one timed run a week in a plain browser editor with autocomplete, linting and your own snippets switched off, which is closer to what these environments give you
  • For the automated format, write the harness before the solution: a main that feeds the worked examples plus an empty and a single-element case and prints expected against actual, so a wrong submission is caught by you first
PracHub interview research ↗
03

Final Stages Interaction

reported

Coding rounds mostly set a floor. They decide whether you clear the bar, not where you land on the ladder. Level tends to come out of the design discussion and the ownership stories, so the question worth auditing beforehand is whether the scope you describe matches the scope of the job. Work that stops at your own service, or a story whose hard part was writing the code rather than getting several people to agree on an interface, reads a level below where you think you are interviewing, and that gap is usually resolved downwards.

What to demonstrate

  • Whether the largest thing you describe owning ran end to end — the decision, the migration path, the rollout, and what you did when it went wrong — or stopped at the change you merged
  • Whether design answers include what you would not build, what you would defer, and what you would measure before committing, rather than only what the boxes are
  • Whether a disagreement in a story was settled with something checkable — a benchmark, a prototype, a written proposal — instead of by seniority or by waiting it out
  • Whether you can say which calls you made alone and which you escalated, and why the line sat where it did

How to prepare

  • Write your largest piece of owned work as a timeline of decisions — who decided what, when, and what you did when the plan broke — then delete every sentence whose subject is "we" and see how much survives
  • Take one system you know well and drill the migration answer: how old and new paths run side by side under live traffic, how you compare their outputs, what the rollback is once writes are going to both, and which step you would not automate
  • Map each line of the ladder in the job posting to a specific thing you have done, find the line you cannot support, and prepare the closest evidence you have plus an honest account of the gap
PracHub interview research ↗

PracHub editorial advice for the preparation topics above.

01

Holding money in a floating-point type, or rounding it more than once

Binary floating point cannot represent 0.01 or 0.1 exactly, so sums drift and two code paths that should agree disagree by cents nobody can trace back. The fix is integer minor units or an exact decimal type end to end, with sub-cent rates expressed as scaled integers such as micro-units, because a per-request price genuinely is smaller than a cent. The second half of the trap is rounding position: rounding each line and then summing gives a different total from summing and rounding once, and half-up and half-even diverge systematically across many lines, so rounding must happen at one named place and every downstream reader must carry the rounded value rather than recompute it from quantity and rate.

02

Paginating a growing table with limit and offset

Two unrelated defects share the idiom. Correctness: rows inserted or deleted between page requests shift the window, so a consumer walking an export skips rows and sees others twice, which for a customer-facing sync is silent data loss rather than an error anyone notices. Cost: the database still produces and discards the skipped rows, so page N costs time proportional to N times the page size and a deep page on a large table degrades from milliseconds to seconds. Keyset pagination over a stable, unique, indexed ordering -- where (created_at, id) < ($1, $2) order by created_at desc, id desc limit $3 -- is constant-cost per page and immune to shifting, on the precondition that the cursor columns never change value for a row, which disqualifies updated_at as a cursor.

03

Optimising an axis nobody named

Ask which resource is actually scarce here: wall-clock latency, throughput, memory footprint, cost per request, or engineering time. Shaving a constant factor off an in-memory step is wasted effort when the same function makes a blocking remote call inside the loop.

04

Comparing floating-point values for equality, or holding money in them

Binary floating point cannot represent 0.1 exactly, so repeated addition drifts and an equality check fails on values that are mathematically equal. Store currency as integer minor units or a decimal type, and compare floats against a tolerance you chose for a stated reason.

Choose a category, try a prompt, then open its approach, worked solution or follow-up when you need it.

12 technical prompts3 include a worked solution

Parse and verify a timestamped multi-signature webhook header

easyWorked solution
parsinghmacconstant-time-comparereplay-protection

An inbound webhook carries a signature header of at most 1 KiB shaped t=<unix seconds>,v1=<64 hex chars>, with up to five v1 values during secret rotation and possibly unknown scheme keys. You hold the raw request body bytes and the currently active signing secrets. Write the parser and the verifier: accept when any active secret reproduces a signature and the timestamp is within a five-minute tolerance in either direction, reject otherwise. Single left-to-right pass over the header, no regular expression. State what is inside the MAC and why.

Approach
  1. Parse in one scan: split on ,, then on the first = only, since a value may itself contain = under a future scheme. Accept t exactly once and treat a second t as a reject rather than last-wins. Push every v1 onto a short list and ignore any other key, so a v2 can be introduced later without breaking this verifier.
  2. Say what is signed: HMAC-SHA256 over the exact byte string <t>.<raw body bytes>, yielding 32 bytes or 64 hex characters. The timestamp sits inside the MAC because otherwise an attacker replays yesterday's body with its still-valid signature and only has to edit the header timestamp.
  3. Hash the bytes as received. Verifying against a re-serialised JSON body is the usual defect: key order, whitespace and number formatting all change the bytes while the parsed objects compare equal, so signatures fail for honest senders and the popular 'fix' is to stop checking.
  4. Compare in constant time over fixed-length digests. Decode the hex to 32 bytes, accumulate acc |= a[i] ^ b[i] across the whole length, and test acc == 0 at the end. Evaluate every candidate without an early exit; at five candidates that is five HMACs over the body, linear in body size and negligible beside the network.
  5. Apply the tolerance as a two-sided bound, rejecting when |now - t| > 300 seconds. A sender whose clock runs ahead of yours is an ordinary case, and an unbounded future timestamp is a free replay window.
  6. Complexity: O(L) over the header producing k candidates, plus k HMACs at O(|body|) each. Space is O(k) beyond the body itself. Do the cheap rejections, including the tolerance check, before any cryptography runs.
Worked solution 15 min
  1. Write the grammar on one line before coding: header := field (',' field)*, field := key '=' value, split on the first = only.
  2. Implement the parser to return {t: int, v1: [hex, ...]}, rejecting a missing t, a duplicate t, any v1 that is not 64 hex characters, and a header over 1 KiB, all before any cryptography runs.
  3. Implement the verifier: for each active secret compute HMAC-SHA256(secret, f'{t}.'.encode() + raw_body), compare it in constant time against each parsed v1, and OR the results with no early exit.
  4. Test with a valid signature; the same body with t moved 400 seconds into the past; the same body with t 400 seconds into the future; a header carrying an unknown v2= alongside a valid v1; and a body re-serialised with different JSON key order.
EXPECTED RESULTThe valid case accepts. Both out-of-tolerance cases reject, including the future one. The unknown `v2` field is ignored and the `v1` still verifies. The re-serialised body fails, which is correct and is exactly why the raw bytes must be retained.
Follow-up
  • The body is 40 MB. What changes about where you verify, and what can you do before the whole body has arrived?
  • A customer reports that signatures fail for exactly the requests whose body contains a non-ASCII character. What is your first hypothesis?
  • How do you rotate the signing secret with no failed deliveries, and how long do both secrets stay live?

Hold a tenant to a trailing sixty-second request limit

medium
sliding-windowtwo-pointerrate-limitingtenant-skew

The gateway must hold each tenant to R requests in any trailing 60 seconds, in aggregate across three regions and every pod, within a budget of under 10 ms added p99. Peak is 30,000 requests/second across 200,000 active tenants, and traffic is heavily skewed toward a handful of them. Give an exact single-process algorithm with its amortised per-request cost and its memory per tenant, then a bounded-memory approximation and the worst-case overshoot it actually admits. Say what the distributed version does when the counter store is unreachable.

Approach
  1. Exact, single process: a per-tenant deque of request timestamps. On arrival, pop from the front while front <= now - 60s, then admit if the remaining length is below R and push. Each timestamp is pushed once and popped once, so the cost is O(1) amortised. The O(R) version is the one that re-filters the whole deque on every request.
  2. Quote the memory. R = 1,000 across 200,000 active tenants is up to 2 x 10^8 timestamps at 8 bytes, about 1.6 GB, and that is the worst case rather than the mean, because the long tail of small tenants holds almost nothing. Skew helps you here and hurts you in the sharding decision.
  3. Bounded alternative, with its real bound stated: a fixed 60-second counter is O(1) memory but admits close to 2R across a 60-second span straddling a boundary. The weighted two-bucket estimate, prev * (60 - elapsed)/60 + cur, is better on smooth traffic but assumes the previous window's arrivals were uniform; an adversary packing them at the end of that window is undercounted and can still approach 2R. Say that rather than calling it exact.
  4. Token bucket is the usual gateway answer and a different contract: O(1) state per tenant (tokens, last_refill), a sustained rate, and a deliberate burst allowance equal to the bucket size. Choose it when a burst is acceptable and the log when the limit is contractual.
  5. Distributed: the limit is per tenant in aggregate, so a local bucket of R/N per pod is wrong in both directions under skew. A tenant landing on one pod is throttled at R/N, and a tenant spread evenly across pods exceeds R. The shared check must be a single atomic round trip, one script or one increment-and-compare, never read-then-write, and it must fit inside the 10 ms p99 budget.
  6. Decide the unavailable case in advance and write it down. Failing open keeps the product up and lets a tenant exceed its limit for the duration; failing closed converts a counter-store outage into a full outage. Most gateways fail open on rate limits and closed on authorisation, and those are two separate decisions made separately.
Follow-up
  • One tenant sends 40% of all traffic. What does that do to a single counter key, and what do you shard on instead?
  • Quotas rather than rate limits: the check is select used; if used < limit then insert. Name the isolation level that still permits the overshoot, and the two fixes.
  • How do you return an accurate Retry-After from the exact algorithm without a second scan?

Locate a billing reconciliation gap without rescanning ninety million events

hard
reconciliationdimensional-bisectionwatermarkshypothesis-testing

A tenant's sealed invoice total is 0.4% below the sum of its raw usage_event rows for the period. That tenant has 90 million events over 30 days in a table partitioned daily on ingested_at, and its rollups carry source_max_ingested_at, revision and sealed_at. Recomputing all 30 days from raw is correct, and you are not going to do it. Give the procedure that locates the divergent (workspace, sku, hour) cell, the cost of each probe, and the one query you run before any of it.

Approach
  1. Run the free query first. Sum raw quantity for the period restricted to ingested_at <= source_max_ingested_at of the sealed rollups, and compare that against the unrestricted sum. The rollup stores the watermark precisely so this can be answered without a scan. If the whole 0.4% sits above the watermark, nothing is broken: it is late data, it becomes an adjustment line, and the investigation ends in one query.
  2. Only if the gap survives that test do you bisect, and you bisect by dimension rather than by rows. Compare 30 per-day totals, then inside the offending day compare the 6 SKUs, then the workspaces, then the 24 hours. That is roughly 30 + 6 + W + 24 grouped probes, each an indexed range scan over one daily partition for one tenant, against O(N) per attempt for the naive re-fold.
  3. Quantify why naive is not merely slow but unusable mid-incident: at a generous 200,000 rows/second sequential, 90 million rows is about 7.5 minutes per attempt, you will want ten attempts, and every one competes for I/O on the same partitions live ingest is writing. The diagnostic worsens the backlog it is diagnosing.
  4. Before fetching each comparison, state what it would look like under each hypothesis. Two adjacent hours off by equal and opposite amounts is occurred_at versus ingested_at bucketing. A whole day offset by exactly N hours is a timezone applied at the wrong layer. A gap confined to one SKU in one workspace is an environment filter. The same (tenant_id, idempotency_key) present in two ingested_day partitions is the dedup horizon losing a retry that crossed midnight.
  5. Make the next bisection cheap by storing the aggregate you keep recomputing. A per-(tenant_id, ingested_day) count and quantity checksum turns step two from thirty probes into one read, and it is the same number the reconciliation job already produces.
  6. Whatever you find, the sealed period does not change value. The correction is an adjustment line pointing at the line it reverses, carrying its own source_rollup_watermark, because the original invoice is the evidence of what the customer was charged.
Follow-up
  • The gap is 0.4% in one direction on one day and 0.4% the other way the next day. What does that shape rule in, and what does it rule out?
  • How do you distinguish a duplicate from a restatement, given revision and recomputed_at on the rollup?
  • Ingest is still running while you investigate. What makes your two numbers comparable at all?

Roughly ninety minutes on weeknights with one longer weekend block. The plan cuts scope rather than compressing everything, on the assumption that one thing finished per night beats four half-started.

Small steps. Visible outcomes.0 / 7 completed
ONE WEEK · YOUR PACE

Prepare, practise & reflect

One practical outcome each day. Spend longer where you need it.

0 / 7 done
01Fix the scope and take a cold baseline
  • Read the role description and write the three things the loop will almost certainly test, then write an explicit not-doing list and keep it visible all week.
  • Take one twenty-five-minute coding problem and one fifteen-minute design prompt cold, and write the single sentence naming what blocked each, because those two sentences decide where the remaining evenings go.
  • Set the week's rule: one thing finished every night, including the night you only have forty minutes.

Deliverable: A one-page scope with a not-doing list and two cold attempts, each carrying one sentence on what blocked it.

Practice prompt ↗Practice prompt ↗Practice prompt ↗Worked solution ↗
02One pattern, written three times from blank
  • Choose the single pattern most likely to appear in your loop and write it three times from an empty file rather than editing the previous attempt.
  • On the third pass, write the invariant as a comment before the loop body and the complexity before the first line of code.
  • Stop at ninety minutes even if the third version is imperfect, and write the one thing you would fix given another hour.

Deliverable: Three independent implementations of the same pattern plus a note on what changed between them.

Practice prompt ↗Practice prompt ↗
03One design, only to the depth you can defend
  • Take one system shape and go only as far as requirements, interface and data model, refusing to draw a box you could not survive a follow-up about.
  • Attach one number to each non-functional requirement, deriving it rather than asserting it, and write the assumption the number rests on.
  • Write the one tradeoff you are choosing against and the observation that would make you reverse it.

Deliverable: One design at interface-and-schema depth with derived numbers and one written reversible tradeoff.

Practice prompt ↗Practice prompt ↗
04Only the fundamentals you will have to defend
  • Write, in under two hundred words each, the answers to the two questions that follow almost any implementation: why this structure and not the obvious alternative, and what happens to this code at a hundred times the input.
  • Write what an index actually costs: faster lookups on the indexed columns against a write that now maintains a second structure, plus the cases where the planner declines to use it anyway, low selectivity, or a predicate wrapping the column in a function.
  • Delete any answer you cannot deliver aloud in under a minute, since an answer that needs reading is not an answer you have.

Deliverable: Three written answers, each under two hundred words and each timed aloud.

Practice prompt ↗Practice prompt ↗Worked solution ↗
05Your own work, timed
  • Write a ninety-second and a four-minute version of your main project and time both aloud rather than reading them.
  • Prepare the two follow-ups that always come: what you would do differently, and how you knew it worked.
  • Put one number in the first sentence and be ready to say exactly where it came from and what it excludes.

Deliverable: Two timed narratives with one defensible number in the opening line.

Practice prompt ↗Practice prompt ↗
06The one full rehearsal, in the weekend block
  • Run a sixty-minute mock covering a coding round and a design round in one sitting with no break, because sustained attention is the thing evenings have not trained.
  • Immediately afterwards, and before hearing any feedback, write the three moments you lost the thread.
  • Spend the rest of the block only on those three moments, and on nothing you merely feel shaky about.

Deliverable: Mock notes naming three failure moments with a specific fix written under each.

Practice prompt ↗Practice prompt ↗
07Taper
  • Write the twenty-minute warm-up you will actually do on the morning: one problem you can already solve from a blank file, one design you can narrate, and nothing you have never seen.
  • Re-read only your own notes from this week and open no new material.
  • Write the logistics down: the editor or shared document you will be working in, whether execution and lookups are permitted, and the sentence you will use when you do not know something.

Deliverable: A one-page card holding the design structure, the project numbers, and the logistics.

Practice prompt ↗Practice prompt ↗Worked solution ↗

Expand any day for tasks and deliverables. Your progress is saved on this device.

Nobody is scoring your stamina at three in the morning. What carries weight is which signal told you something was wrong, what you measured before touching anything, what you rolled back versus what you fixed forward, and why you picked one. 'We restarted it and it went away' is a story about not knowing.

What is your experience with RESTful architecture?

medium
behavioural and engineering judgement

What is your experience with RESTful architecture?

Approach
  1. Name the disagreement and how you resolved it with evidence.
  2. Close with what you would do differently, concretely.
  3. State the situation in two sentences and spend the rest on the reasoning.
Follow-up
  • What would you do differently if you ran that again?
  • How did you know your change caused the improvement?

How would you train a junior developer?

medium
behavioural and engineering judgement

How would you train a junior developer?

Approach
  1. Close with what you would do differently, concretely.
  2. Pick a story where you made the decision, not one where you watched it.
  3. Give the blast radius: what could have broken, and what you measured.
Follow-up
  • How did you know your change caused the improvement?
  • What did you decide not to do, and why?

How do you handle working within Agile processes?

medium
behavioural and engineering judgement

How do you handle working within Agile processes?

Approach
  1. State the situation in two sentences and spend the rest on the reasoning.
  2. Give the blast radius: what could have broken, and what you measured.
  3. Close with what you would do differently, concretely.
Follow-up
  • How did you know your change caused the improvement?
  • What did you decide not to do, and why?
  • 01

    What is your experience with RESTful architecture?

  • 02

    How would you train a junior developer?

  • 03

    How do you handle working within Agile processes?

PracHub interview preparation framework ↗
Is this an official Berkadia interview guide?

No. It is PracHub's own research and practice material for the Software Engineer role at Berkadia. Rounds and questions reflect what candidates have reported, not a process Berkadia has published, and they change over time. Confirm the current format and scope with your recruiter.

PracHub interview research ↗
How long does the interview process usually take?

The timeline varies, but typically ranges from a few weeks to a month. Keep in touch with your recruiter, as they are your primary point of contact for status updates.

PracHub interview research ↗
Is the interview process difficult?

Most candidates describe the process as manageable, provided you are honest about your technical background. The difficulty often lies in the depth of the technical questions, so ensure you are prepared to discuss the "how" and "why" of your work.

PracHub interview research ↗
What is the company culture like?

Berkadia values collaboration and feedback. They look for engineers who are not only technically proficient but also willing to engage in constructive dialogue about how to improve processes and products.

PracHub interview research ↗
Should I prepare for whiteboard coding?

While some technical rounds may involve problem-solving discussions, many interviews focus on your past experience and architectural choices. Be ready to talk through your past code rather than just writing new algorithms.

PracHub interview research ↗
Sources & methodology 3 sources ↗

No official company page is cited. Rounds and questions come from candidate reports and PracHub editorial material; each source shows the date it was read.