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Location: Long Branch, NJ, USA
School: Bryant University
Field of Study: Finance


Kyle Golden
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10 Greeley Terrace, Long Branch, NJ 07740

Bryant University, Smithfield, RI
Bachelor of Science in Business Administration, May, 2017
Concentration: Finance, Overall GPA: 3.3

Bloomberg Market Concepts Certification, 2017
New Jersey Life Insurance License, 2018
New Jersey Accident and Health Insurance License, 2018

Work Experience
Acquisitions Analyst at K. Hovnanian Homes, Edison, NJ March 2019-Present
• Analyze a variety of financial and market elements to determine if property meets criteria for acquisition
• Prepare financial analysis, market analysis, competitive graphs and narrative reports for potential acquisitions
• Develop county by county understanding of competition product, pricing, sales/delivery pace and pipeline both on-line, through reporting firms and through visits to competitors' communities
• Develop a clear understanding of community life P&L, balance sheet and inventory, house construction cash flows, land development cash flows, sales pace, house start schedules and delivery schedules to be integrated into financial models for each community
• Report and present projects to VP Land Acquisition to evaluate the competition and pipeline that will affect potential acquisitions
• Research and understand approvals/permits fees County by County, affordable housing structure, house construction costs, option construction costs, overhead allocation, and interest carry
• Review and interpret zoning and land use ordinances and monitor potential land use charges
Associate at Donato Financial Group, Park Ridge, NJ August 2018-March 2019
• Responsible for overseeing all of the day to day operations behind the scenes including managing all social media
• Prepared for meetings by generating reports for clients 401K, College Funds, and Insurance Policies
• Responsible for selling Insurance Policies, Annuities, and Long Term Care while bringing in new clients and servicing existing clients
Realtor at Century 21, Red Bank, NJ June 2016-March 2019
• Analyze property trends and shifts in the market
• Experience managing various clientele, and exceeding their expectations on timing, price and customer service.
• Organize showings, photographers, marketing, social media, and negotiate purchases and sales
Owner at KZG Development Group, Long Branch, NJ December 2017-August 2018
• Developed and implemented a business plan for flipping houses in Monmouth County, New Jersey
• Design and manage entire renovations while also expediting all entitlements, and attaining the final Certificate of Occupancy
• Researching locations and analyzing trends in the market to find the optimal asset to deliver the highest yield to my investors
• Responsible for hiring contractors and managing them throughout the development process including: engineers, architects and sub-contractors
• Point person for all budgeting, day-to-day financials and accounting for several high end residential flips
Key Accomplishment: Two Condominiums both sold at a $60,000 profit or 24% Yield
PMD Financial Advisor at Merrill Lynch, Red Bank, NJ May 2017-December 2017
• Develop and build personal profiles to attain the financial goals of clients
• Determine the financial needs of clients and help them diversify investments
Wealth Management Intern at Donato Financial Group, Park Ridge, NJ June 2016-April 2017
• Joined meetings with supervisor to better understand how to meet client needs and manage expectations by utilizing product marketing materials and financial industry knowledge when delivering investment recommendations
Intern at Capitol Securities Management, Red Bank, NJ March 2016 - May 2016
• Helped manage client investments through research on stock trends including running performance ratios on portfolios
• Created excel applications with pivot tables, VLOOKUP, and macros
Additional Experience
Microsoft Office Applications - Expert
Financial Modeling- Semester long project on excel including a group presentation for the final exam
• Learned key investment models such as NOI, Cap Rate, Free Cash Flow, EBITDA which drive quantitative securities analysis decisions
Computer Information Systems- Mock excel application for Fidelity to determine whether it made sense to add more locations
• Presented application to senior employees at Fidelity Investments and my group won 2nd place out of 300 students
Global Foundations of Business-Target Case Project- 125-page business plan with a 30-minute group presentation
• Group of 5 who developed a business plan for a new product that eliminates noise while sleeping. Soundless Sleep was developed to help college students with noisy roommates who snore be able to sleep and also wake up on time with a built-in alarm in the noise eliminating ear plugs
Extracurricular and Volunteer
Travel, Sophomore International Experience January 2015
• Traveled to Italy; Visited museums and developed and presented a power point presentation illustrating the cultural differences while also attaining college credit.
Involvement, Collegiate Entrepreneurs’ Organization (CEO), Ski Club, Italian Club, Finance Club September 2013 – May 2017
• Actively involved in all meetings and activities including Bryant University North East Entrepreneurship Conference (BUNEEC)
Volunteer, Pet Rescue- Participated in fundraisers to help abused dogs get adopted and placed in good homes September 2010 - Present
Language Skills
Spanish- Proficient