Raj Resume
Raj Ghuman
1451 24th Street, Apartment 130
Denver, CO 80205
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WORK EXPERIENCE:
Hunt Companies/Alden Torch Financial Denver, Colorado
Asset Manager/Investment Manager March 2015 to Present
Perform due diligence research and analysis of property financial statements involving historical variance analysis, budgeting, identifying cash flow for distributions/operating deficits and when needed prepare Credit Committee Memos (funding, reserve withdrawals, refinancing and partner/management transitions)
Maintain a Budget/Cash Flow Model, updating the model as appropriate for actuals, financing/reserve terms, partnership guarantees, significant findings, events or approved changes derived from site visits and Physical Needs Assessment’s
Complete and deliver quarterly Investment Packages comprised of property and fund-level operations review
Charles Schwab & Co. Inc. Denver, Colorado
Registered Representative/Trader September 2013 to March 2015
Provided security analysis using Charles Schwab trading platforms and Bloomberg Terminal for clients prior to placing trades for equities, bonds and derivatives
Conducted sensitivity analysis of trades regarding cash/margin charges on accounts dependent upon market movement
Examined market conditions and trends, covered equity reports and financial statements/metrics with clients to analyze companies and their respective industries
Leeds School of Business Boulder, Colorado
Finance Teaching Assistant/Tutor January 2013 to May 2013
Managed office hours to assist students with MS Excel models, statement spreading, assignments and projects
Administered tutoring services and met with professors to cover course content and assigned materials
Facilitated review sessions covering financial analysis/metrics, cash flow analysis, financial statements and MS Excel
Formations, LLC. Boulder, Colorado
Real Estate Analyst January 2012 to May 2012
Arranged property summary analysis, financial analysis, debt and equity requirements, due diligence requirements and relevant short and long-term investment objectives
Utilized research tools such as; Google Applications, Argus, ReferenceUSA, CoStar, Assessors and other tools that provided market information
Researched asset classes ranging from commercial properties to distressed assets while providing presentations and thorough analysis of properties to prospective clients
EDUCATION
University of Colorado at Boulder – Leeds School of Business Boulder, Colorado
Bachelor of Science in Business Administration; Finance Major, Economics Minor December 2014
WORK/LEADERSHIP EXPERIENCE
University of Colorado Investment Club Boulder, Colorado
Member
Examined market events and financial news, while performing various valuation methodologies for firms, and used research for mock portfolios running on an online trading simulator
Real Estate & REIT Modeling (Breaking Into Wall Street)
Online Financial Modeling Training Program
Completed real estate development model for office complex, with waterfall returns modeled for multiple equity investor classes and different developer promote levels
Created 3-statement projection model over 5 years for Avalon Bay (AVB), leading residential REIT; based model on segment-by-segment buildup for same-store, development/redevelopment, acquisitions, and dispositions
Valued Avalon Bay (AVB) using public comps and precedent transactions and metrics and multiples such as Funds From Operations (FFO) and Adjusted FFO, as well as Net Asset Value (NAV) model; also completed Levered DCF and Dividend Discount Model, and learned concept behind Replacement Value methodology
Raj Ghuman
1451 24th Street, Apartment 130
Denver, CO 80205
------------
------------
WORK EXPERIENCE:
Hunt Companies/Alden Torch Financial Denver, Colorado
Asset Manager/Investment Manager March 2015 to Present
Perform due diligence research and analysis of property financial statements involving historical variance analysis, budgeting, identifying cash flow for distributions/operating deficits and when needed prepare Credit Committee Memos (funding, reserve withdrawals, refinancing and partner/management transitions)
Maintain a Budget/Cash Flow Model, updating the model as appropriate for actuals, financing/reserve terms, partnership guarantees, significant findings, events or approved changes derived from site visits and Physical Needs Assessment’s
Complete and deliver quarterly Investment Packages comprised of property and fund-level operations review
Charles Schwab & Co. Inc. Denver, Colorado
Registered Representative/Trader September 2013 to March 2015
Provided security analysis using Charles Schwab trading platforms and Bloomberg Terminal for clients prior to placing trades for equities, bonds and derivatives
Conducted sensitivity analysis of trades regarding cash/margin charges on accounts dependent upon market movement
Examined market conditions and trends, covered equity reports and financial statements/metrics with clients to analyze companies and their respective industries
Leeds School of Business Boulder, Colorado
Finance Teaching Assistant/Tutor January 2013 to May 2013
Managed office hours to assist students with MS Excel models, statement spreading, assignments and projects
Administered tutoring services and met with professors to cover course content and assigned materials
Facilitated review sessions covering financial analysis/metrics, cash flow analysis, financial statements and MS Excel
Formations, LLC. Boulder, Colorado
Real Estate Analyst January 2012 to May 2012
Arranged property summary analysis, financial analysis, debt and equity requirements, due diligence requirements and relevant short and long-term investment objectives
Utilized research tools such as; Google Applications, Argus, ReferenceUSA, CoStar, Assessors and other tools that provided market information
Researched asset classes ranging from commercial properties to distressed assets while providing presentations and thorough analysis of properties to prospective clients
EDUCATION
University of Colorado at Boulder – Leeds School of Business Boulder, Colorado
Bachelor of Science in Business Administration; Finance Major, Economics Minor December 2014
WORK/LEADERSHIP EXPERIENCE
University of Colorado Investment Club Boulder, Colorado
Member
Examined market events and financial news, while performing various valuation methodologies for firms, and used research for mock portfolios running on an online trading simulator
Real Estate & REIT Modeling (Breaking Into Wall Street)
Online Financial Modeling Training Program
Completed real estate development model for office complex, with waterfall returns modeled for multiple equity investor classes and different developer promote levels
Created 3-statement projection model over 5 years for Avalon Bay (AVB), leading residential REIT; based model on segment-by-segment buildup for same-store, development/redevelopment, acquisitions, and dispositions
Valued Avalon Bay (AVB) using public comps and precedent transactions and metrics and multiples such as Funds From Operations (FFO) and Adjusted FFO, as well as Net Asset Value (NAV) model; also completed Levered DCF and Dividend Discount Model, and learned concept behind Replacement Value methodology