Finance Portfolio
Finance student at Toronto Metropolitan University with prior experience in credit and risk, legal documentation, and transaction support. This site presents selected research, projects, publications, and professional background.
Currently pursuing a Bachelor of Commerce in Economics & Management Science at Toronto Metropolitan University, with prior professional experience in credit, risk, legal documentation, and transaction support.
Credit and risk experience at Riviera Finance of Texas included borrower assessment, credit-limit authorization, portfolio exposure monitoring, covenant compliance, collections, and repayment-capacity review across a diversified client portfolio.
Legal experience at SK Lawyers Professional Corporation included support for commercial and real estate transactions, private lending matters, mortgage refinances, business purchase and sale transactions, PPSA registrations, incorporations, annual returns, corporate filings, and lending documentation.
Academic and independent work includes financial modeling, valuation, credit memorandum preparation, economic research, and a published personal finance book.
Analyzed and authorized credit limits up to $50,000, monitored portfolio exposure and covenant compliance, assessed repayment capacity using Equifax and Ansonia data, and supported monthly collection performance.
Supported commercial and real estate transactions, private lending matters, mortgage refinances, business purchase and sale transactions, PPSA registrations, incorporations, annual returns, corporate filings, and lending documentation.
Led weekly Business Finance 300 review sessions, built revision material, mock tests, and simplified complex course concepts for students.
Credit memo evaluating approximately $800K in financing, including property-level risk, repayment capacity, LTV, and underwriting considerations.
Three-statement financial model and DCF valuation focused on revenue drivers, margins, capex, free cash flow, and sensitivity analysis.
Research paper on housing valuation, household leverage, price-to-rent disconnect, and supply-side constraints.
A personal finance book for Gen Z focused on investing, compounding, budgeting, income growth, lifestyle creep, debt, and financial decision-making.