Michael T. Malmstone
C. 908-***-**** • *********.*@*****.*** • 272 North Road, Chester, NJ 07930
Objective: Facilitating strategic growth and development at a mid-large cap firm as an Analyst. Skills: Argus, Bloomberg, Fusion, Oracle B.I., A.U.S., Encompass, Proficient MS Office, Adobe Acrobat Pro Interests: Golf / golf-club making, live music, guitar, motorcycle maintenance, grilling, skiing and cycling. EDUCATION
Northeastern University 2013, Boston, MA Bachelor of Science in Business Administration Majors: Finance and Music Industry Bloomberg Aptitude Test Score: 550 Morris County Arts Workshop
Strategy Consultant / Chester, NJ Jan. 2015 – Present
• Improved revenues within the live music performance segment of business to reach budget goals and secure a building lease for a 501c3 chartered Non-Profit.
• Compiled, analyzed and presented market data on competitors to form a new business model. Macy’s: Logistics and Operations HQ
Executive Outbound Operations Manager / Secaucus, NJ Sept. 2014 – Dec. 2014
• Implemented Lean Six Sigma operations systems across Direct-to-Store and Direct-to-Consumer distribution tiers of 675k sq./ft. distribution center to meet and exceed daily and weekly productivity output and budget goals.
• Managed 25 associates, leading daily process improvement sessions to reduce operational waste by 20%.
• Improved third-party shipping coordination to achieve firm’s highest to date daily Shipped-On-Time carton volume within E-commerce Fine Jewelry / Fashion division twice during peak season. Fortren Funding
Mortgage Loan Originator: NMLS # 1174175 / Livingston, NJ Feb. 2014 – Sept. 2014
• Executed credit analysis and market due diligence through enterprise systems to warrant credit funding.
• Negotiated loan provisions to win clients’ business from national competitors, garnering referral relationships.
• Generated 300 mortgage applications, originating 41 sold loans over Conventional, FHA, VA and Jumbo loan products for refinances, home purchases and debt consolidations to a residential clientele base. Boston Capital
Financial Analyst / Boston, MA June 2012 – Dec. 2012
• Carried out transaction underwriting process with multiple VP’s of the nation’s largest owner of apartments, through intensive analysis using Argus, concurring with LIHTC and Fannie Mae DUS Standards.
• Managed and reviewed construction draw funding of 8 assets, including coordination with third-party bank engineers and General Partner Developers, accounting for $175MM of funds’ lifetime commitments.
• Conducted multi-tiered analyses, while generating reports for internal and external clients, to evaluate and optimize portfolio and RE pipeline performances, both quarterly and on an ad-hoc basis.
• Exercised due diligence on $200MM+ prospectus to merit funding, saving the firm $190MM in bad investments.
• Developed investment reports for presentation to Executive Committee for internal approval of $110MM of current fund commitments.
• Created and launched directives for premier use of bond debt financing for LIHTC multifamily housing loans. RELEVANT PROJECTS
Ludlow Street Commons, LLC Real Estate Investment Proposal Spring 2013
• Analyzed real estate markets in Manhattan to attest a rehab property’s attractiveness to an investor.
• Modeled pro-forma cash flows, leveraging debt/equity financing employing sensitivity/scenario analysis to attain premier effective yields for investment.
• Valued property using cost, sales-comparison and direct capitalization appraisal approaches. SKILLS & INTERESTS