# Matthew David

Matthew David is a remote worker on Himalayas, Portfolio Manager at Sterling Real Estate Group, based in United States.

Source: https://himalayas.app/@matthewdavid

```text
Credit portfolio analyst at Citi who assessed 30+ corporate borrowers and supported lending recommendations for $100M–$1B facilities.
```

| Detail | Value |
| --- | --- |
| Availability | Looking for a job |
| Location | United States |
| Authorized to work in | United States |
| Salary expectations | 90k+ USD |
| Job categories | Credit and Portfolio Analyst, Portfolio Manager |
| Skills | Credit Analysis, Credit Underwriting, Approval Reporting, Credit Portfolio Monitoring, Financial Statement Analysis, Financial Modeling, Financial Spreading, Cash Flow Forecasting, Risk Rating, Credit Scoring, Downside Risk Analysis, Variance Analysis, KPI Analysis, Industry Analysis, Real Estate Portfolio Management |
| LinkedIn | https://linkedin.com/in/matthewmoises |

## About

```text
At Citi, I prepared credit approval reports and lending recommendations for facilities ranging from $100M to $1B. I assessed financial performance and creditworthiness across 30+ corporate borrowers, comparing forecasts with actual results and evaluating repayment capacity and emerging risks.

I developed Excel-based financial models with rolling forecasts and used downside scenarios to assess loan structures and acquisition risks. My analysis identified 10+ high-risk exposures for risk-rating and scorecard downgrades.

As Portfolio Manager at Sterling Real Estate Group, I monitored financial and operating performance across an 11-property portfolio. I led four capital improvement projects totaling $75K and developed AI-driven workflows that reduced processing time by approximately 83% across 300+ monthly transactions.
```

## Experience

### Portfolio Manager

Sterling Real Estate Group. Aug 2025 - Aug 2026

```text
Monitored financial and operating performance across an 11-property real estate portfolio, analyzing cash flows, rental revenue, and expenses. Led capital improvement projects and developed AI-driven workflows to reduce processing time by 83%.
```

Skills: Financial-Analysis, Cash-Flow-Forecasting, Portfolio-Management, Project-Management, AI-Workflow-Automation, Process-Improvement

### Credit Portfolio Analyst

[Citi](https://himalayas.app/companies/citi). Jan 2020 - Jun 2023

```text
Authored credit approval reports and lending recommendations for $100M-$1B facilities, achieving a 91% approval rate. Evaluated creditworthiness across 30+ borrowers and developed Excel-based financial models with 2-year rolling forecasts.
```

Skills: Credit-Analysis, Financial-Modeling, Financial-Statement-Analysis, Cash-Flow-Forecasting, Risk-Assessment, Excel, KPI-Analysis, Industry-Analysis

## Education

### Loyola Marymount University

Master of Business Administration, Business Administration. 2023 - 2025. Grade: 3.98

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Pursued an MBA with a 3.98 GPA, focusing on corporate credit and financial analysis.
```

### Ateneo de Manila University

Bachelor of Science, Management. 2015 - 2019

```text
Earned a Bachelor of Science in Management with a minor in Financial Management.
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## Tech stack

- Tableau
- SQL

To contact Matthew, message them from this profile with a Himalayas employer account: [Hire on Himalayas](https://himalayas.app/hire).

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