Financial analysis, modeling & software

Joseph Howlett

Finance graduate pairing financial modeling and analysis with hands-on operations experience and AI-assisted software development — open to entry-level finance and analyst roles.

Nashville, TN  ·  Open to Birmingham, AL Email me Download resume

About

Finance, built
on skill.

I'm a finance graduate focused on financial analysis and building with modern tools.

I earned a B.S. in Business with a finance concentration from Pensacola Christian College in May 2026, with coursework through corporate finance, financial statement analysis, and financial modeling and forecasting. My project work has meant building multi-year forecasts and pro formas in Excel, running WACC and Monte Carlo analysis, and stress-testing results with sensitivity tables. Alongside that, I've been building real software with AI-assisted development, using Claude Code to turn ideas into working tools. A summer running on-site operations for a rental portfolio taught me how a business actually runs day to day. I'm looking for a role where I can do rigorous analytical work, keep learning, and build a career on real skills.

Education

Where I studied.

B.S. in Business — Finance Concentration, Management Minor

Pensacola Christian College

  • Corporate Finance I & II · Case Studies in Finance · Principles of Investment
  • Financial Statement Analysis · Financial Modeling & Forecasting
  • Principles of Accounting I & II · Financial Institutions
  • Statistics · Business Law

Experience

Where I've worked.

Assistant Property Manager

Evergreen Management Service LLC · Nashville, TN & Louisville, KY

  • Provided front-line operational coverage for approximately 80 short-term rental units across two metro markets.
  • Worked independently and on-site daily across the portfolio.
  • Served as the first point of contact for any operational issue or abnormal event.

HVAC Installation Helper

Iceberg

  • Assisted licensed technicians with residential HVAC installations.
  • Learned the physical systems and trade labor behind the buildings finance models represent.

Projects

What I'm building.

COI Manager dashboard showing client, vendor and certificate counts, an approval queue with compliance status, and a searchable client list. Client detail view listing the company's users, its vendors, and every certificate of insurance on file with upload date, expiration date, and approval status. Certificate review screen with approve, push back and mark-exempt actions, read-only coverage fields for policy expiration and liability limits, and an audit log.

Web Application

Web App Built with Claude Code

Currently building a web application using Claude Code, gaining direct experience with modern AI-assisted development tools and workflows.

A certificate of insurance (COI) management tool for general contractors. It tracks subcontractor insurance certificates, flags expirations and coverage gaps, and automates the follow-up work that usually gets handled manually. I'm building it with Claude Code, with the goal of growing it into full-service software for general contractors — expanding beyond COI tracking into the broader compliance and administrative workflows GCs deal with day to day.

Claude Code AI-assisted In progress
Cover sheet of the Short-Term Rental Investment Analyzer, listing a five-input quick start, a colour legend, and a map of the workbook's eight tabs. Inputs tab with purchase price, closing costs, furniture and setup build-up, permit costs, property characteristics, and amenity toggles carrying average daily rate lifts. Deal dashboard showing hurdle rates, a PASS verdict, investment summary, Year 1 returns including cash-on-cash and net operating income, and long-term five and ten year IRR figures. Sensitivity analysis with two heat-mapped tables: Year 1 cash-on-cash return across occupancy and average daily rate, and five-year IRR across purchase price and interest rate.

Financial Modeling

Short-Term Rental Investment Analyzer

A ten-year STR underwriting model in Excel — purchase, financing, revenue, and operating assumptions feed a deal dashboard that scores the result against preset hurdle rates.

A full acquisition pro forma for a short-term rental, built in Excel across eight linked tabs — purchase and setup costs, loan terms, seasonal occupancy and average daily rate, and operating expenses all feed a single deal dashboard. The dashboard reports Year 1 cash-on-cash, cap rate, break-even occupancy, and net operating income alongside five- and ten-year IRR and a total return multiple, then scores the deal against preset hurdle rates for a pass/fail verdict. Two sensitivity tables stress the outcome: Year 1 cash-on-cash across occupancy and average daily rate, and five-year IRR across purchase price and interest rate.

Pro forma INDEX/MATCH Sensitivity

Skills

What I bring.

Financial Modeling & Analysis

Pro formas, forecasting, DCF, sensitivity and scenario analysis, Monte Carlo, and WACC.

AI & Software

Building real, working software with AI-assisted development — web applications, workflow automation, and advanced Excel, using Claude Code.

Valuation & Cases

Company valuation and financial case analysis — working capital, buyback, and cost-of-capital studies.

Contact

Let's talk.

Open to entry-level finance and analyst roles — FP&A, corporate banking, financial analysis, and business analysis — in Nashville and Birmingham. The fastest way to reach me is email.