Toronto-based business student focused on credit, risk, and financial decision-making. The work here is built around structured analysis, quantitative reasoning, and clear memo-style communication.
Good questions age better than good answers.
Numbers explain what happened. Judgment decides what matters.
High-performing finance student at Toronto Metropolitan University with experience in credit exposure management, portfolio decision-making, and monthly collection performance.
Background spans credit, legal execution, and transaction support, with a long-term focus on underwriting judgment, capital allocation, and downside protection.
Underwrite the downside first: repayment capacity, leverage, liquidity, covenant headroom, and the quality of the customer’s cash conversion.
Financial statement analysis, covenant monitoring, portfolio risk, and memo-style writeups.
A public record of how my thinking compounds through real work.
Direction
Sharpening underwriting judgment and building clean, decision-focused models.
Guiding principle
Good analysis survives scrutiny and bad markets.
Commercial mortgage credit memorandum · PDF
Lender-style memo covering operating performance, DSCR, LTV, staffing risk, and core underwriting considerations for a small hospitality asset.
DCF model · PDF
Three-statement model and DCF valuation focused on revenue drivers, capex intensity, margins, and sensitivity across key assumptions.
Research paper · PDF
Research paper on valuation stretch, price-to-rent disconnect, household leverage, and supply-side constraints in Canadian housing.
Amazon · Book
Published · 2025 · Long-form
A personal finance book for Gen Z centered on decision-making, discipline, and long-term financial outcomes.
Reserved for future long-form work.
Credit limits, covenant compliance, exposure monitoring, and repayment capacity.
Balance sheet, cash flow, leverage, liquidity, and credit-quality analysis.
Forecasting, sensitivity analysis, scenario tables, and clean spreadsheet design.
Credit bureau analysis, delinquency reporting, and portfolio-level risk tracking.
Deal documentation support, risk-based decisions, and client communication.
Wall Street Prep: Excel Crash Course & Financial Statement Modeling.
