Toronto-based business student focused on credit, risk, and financial decision-making. Work emphasizes structured analysis, quantitative reasoning, and clear, memo-style communication aligned with real banking workflows.
High-performing finance student at Toronto Metropolitan University with a track record of managing credit exposure, authorizing credit limits across diversified portfolios, and consistently exceeding monthly collection target of $800,000.
My background blends credit underwriting with hands-on legal execution, including work on recourse structures, security enforcement, and transaction support. I hold an Advanced Diploma in Business Administration, with a foundation in accounting, finance, and commercial operations, and am working toward roles in credit analysis, corporate banking, and investment banking, with a long-term focus on capital allocation, balance-sheet structure, and downside protection across market cycles.
Underwrite the downside first: repayment capacity, leverage, liquidity, covenant headroom, and the quality of the customer’s cash conversion. If the downside doesn’t work, the upside doesn’t matter.
Financial statement analysis, covenant monitoring, portfolio risk, and memo-style writeups that translate numbers into decisions, with a focus on structured risk and balance-sheet driven stories.
A public record of how my thinking compounds: short research notes, credit-style frameworks, and analysis designed to be decision-useful rather than decorative.
Direction
Sharpening underwriting judgment, improving modeling speed and cleanliness in Excel, and writing short internal-style
memos that mirror real credit and banking workflows.
Guiding principle
Good analysis should survive a second look, a skeptical colleague, and a bad day in the market. If it can’t, it probably wasn’t analysis.
Research note · PDF
A quantitative analysis of speculative risk versus structural constraints. Covers house prices vs income, price-to-rent disconnect, and credit fragility through household leverage and the mortgage renewal wall, then contrasts bubble indicators with supply-side constraints and policy frictions.
Reserved for the next piece.
Amazon · Book
Published · 2025 · Long-form
A Gen Z personal finance book focused on decision-making, discipline, and the fundamentals of long-term financial outcomes.
Reserved for future long-form work.
A short list. Depth over volume.
Credit limits, covenant compliance, exposure monitoring, and repayment capacity assessment.
Balance sheet, cash flow, leverage, liquidity, and credit-quality signals across industries.
Forecasting, sensitivity analysis, scenario tables, and clean spreadsheet design.
Credit bureau analysis (Equifax, Ansonia), delinquency reporting, and portfolio-level risk tracking.
Deal documentation support, risk-based decisioning, and client communication.
Wall Street Prep: Excel Crash Course & Financial Statement Modeling.
