Building a career in commercial real estate

Joseph Howlett

May 2026 finance graduate pairing financial modeling and analysis coursework with hands-on property operations — building toward commercial real estate investment.

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

About

Finance, built
on the ground.

I'm a finance student graduating in May 2026, focused on commercial real estate and the numbers that drive it.

I'm finishing a B.S. in Business with a finance concentration at Pensacola Christian College, where my coursework runs 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. A summer running on-site operations for a short-term rental portfolio taught me how buildings actually behave once the model meets the market — and that combination is what I want to bring to commercial real estate.

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.

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

Academic Modeling

Forecasting & Sensitivity Modeling

Built a multi-year forecast and pro forma in Excel with dynamic hold-period logic using INDEX/MATCH and sensitivity tables.

A full acquisition pro forma for an income-producing property, built in Excel. Projected net operating income, modeled debt service and DSCR, and calculated levered IRR over the hold period. Ran sensitivity analysis across key assumptions — purchase price, rent growth, and exit cap rate — to see how returns held up under different scenarios.

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 finance and analyst roles in Nashville and Birmingham. The fastest way to reach me is email.