Finance · Economics · Risk

Building a career
in finance

Double majoring in Finance, with a Risk Management concentration, and Economics at William Paterson University, and a CFA Level I candidate. Driven by markets, valuation and risk analysis, and hands on leadership.

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Equity Research ETF Analysis Financial Modeling Portfolio Strategy Risk Management Economic Analysis Microsoft Excel Consultative Sales Data Analysis Credit Analysis Equity Research ETF Analysis Financial Modeling Portfolio Strategy Risk Management Economic Analysis Microsoft Excel Consultative Sales Data Analysis Credit Analysis
About

Where grit meets
ambition

I bring a unique combination of hands-on work ethic and analytical thinking to everything I do. As a former NCAA Division III football player and current General Laborer for the Village of Ridgewood, I've built a foundation of discipline, teamwork, and reliability that translates directly into the world of finance.

On the academic side, I am double majoring in Finance, with a Risk Management concentration, and Economics, and I serve as Vice President of the Student Investment Club at William Paterson. I am also one of three Managing Directors of High Mountain Capital, the student managed fund our club established, where I lead a team of analysts through the full equity research process. Our aim is to run the fund as a research house, with every position backed by original, documented analysis. I'm drawn to the work of pricing risk: stress testing assumptions, sizing downside, and connecting macroeconomic trends to actionable investment decisions.

I also teach. As a Technology Consultant with the Global Business Financial Institute, I design and lead student workshops in financial modeling, Excel, PowerPoint, and the Bloomberg Terminal, translating technical platforms into skills students can actually use in interviews and internships. I produce and edit the instructional videos behind those sessions and curate a learning library for the university's YouTube channel, so the training reaches students who can't make it into the room.

Kevin Heins
CFA
Level I Candidate — May 2027
SIE
FINRA — Passed July 2026
MOS
Excel Expert Certified
MD
High Mountain Capital
Experience

Professional background

Sep 2026 to Present
Managing Director
High Mountain Capital, William Paterson University
One of three Managing Directors of the student managed investment fund established by the Student Investment Club, run as a research house where every position in the portfolio is backed by original, documented analysis held to a professional standard. Lead a team of analysts through the full equity research process, from idea generation and industry and company analysis to financial modeling, valuation, and written research reports, and set the team's research priorities and coverage. Review and pressure test analyst models and investment theses before they are presented to the fund, and mentor analysts on financial statement analysis, valuation methods, and defending a thesis under questioning. Help build the fund's research infrastructure, including report templates, valuation standards, and a sector coverage framework.
Equity Research Analyst Leadership Valuation Standards
May 2026 to Present
Technology Consultant
Global Business Financial Institute — William Paterson University
Design and lead student workshops in financial modeling, Excel, PowerPoint, and Bloomberg, translating technical platforms into skills students can apply in interviews and internships. Developed advanced proficiency across Excel, PowerPoint, Word, and Tableau through structured certification study and repeated hands on builds, then converted that work into workshop curriculum and practice files. Produce and edit instructional videos and curate a learning library for the university's YouTube channel, expanding access to technical training for remote students. Support Student Investment Club recruitment through promotional content, in-class presentations, and outreach to prospective guest speakers.
Technical Training Content Production Excel & Tableau
2025 to Present
Vice President
Student Investment Club — William Paterson University
Serve on the executive board, contributing to investment research, portfolio strategy discussions, and club operations. The club's portfolio now operates as its own entity, High Mountain Capital, with formal fund roles. Conduct fundamental and quantitative analysis on global ETFs and thematic investment opportunities, presenting findings to club members. Developed a comprehensive Global ETF Scorecard application with multi-factor scoring across valuation, growth, yield, and strategic categories.
ETF Research Quantitative Analysis Risk & Portfolio Strategy
Oct 2025 to Present
General Laborer
Village of Ridgewood — Department of Public Works
Execute daily municipal collection routes in a three person crew, dividing labor and sequencing stops to complete assigned routes ahead of schedule while operating heavy equipment.
Route Execution Operations Crew Coordination
Jan 2019 to Sep 2025
Butcher
Market Basket — Franklin Lakes, NJ
Advised customers on cut selection, portioning, and preparation at a full service counter, converting product knowledge into larger orders and repeat business while managing inventory across a high volume department. Supported the department supervisor on pricing decisions, weighing yield from each cut, cost basis, and observed customer demand to set case prices that protected margin on high volume items.
Consultative Sales Pricing & Margin Inventory Management
Portfolio

Selected work

Independent research 2026
Thrift conversion research memo and pro forma model
Columbia Financial, Inc. (CLBK)

A valuation memo and a supporting three statement model on the second step conversion and the Northfield Bancorp merger, built entirely from the offering prospectus and public filings. The case rests on pro forma tangible book value per share and the discount the offering carries against it.

How it was built
  • Read the conversion prospectus and pulled the disclosure items that drive the pro forma share count and capital raised
  • Used LLM tooling to accelerate extraction and cross check figures against the filing, then rebuilt the pro forma tangible book value per share independently
  • Benchmarked the implied price to tangible book against comparable converted thrifts to size the discount
  • Extended the memo into a full pro forma three statement model covering the conversion and the Northfield Bancorp merger, with purchase accounting, a five year projection, and a balance sheet that ties to the cash flow
  • Public filings only, with no access to management or sell side research
Teaching 2026 to present
Financial modeling workshop curriculum
Global Business Financial Institute, William Paterson University

Workshops and practice files in financial modeling, Excel, PowerPoint, and Bloomberg, plus the instructional video library that extends the same training to students learning remotely.

Independent build 2026
Unlevered DCF with sensitivity analysis
Free cash flow to the firm, company specific builds

Interactive discounted cash flow models that test how enterprise value responds to changes in growth, margin, and discount rate, including a build driven off reported fiscal year actuals rather than template inputs.

What it covers
  • Revenue and margin build feeding unlevered free cash flow
  • WACC construction from cost of debt, cost of equity, and capital weights
  • Terminal value under Gordon growth, with a two way sensitivity grid on WACC against terminal growth
  • Implied enterprise value cross checked against a trading multiple
Club research 2026
Global ETF scorecard
Student Investment Club, William Paterson University

A multi factor scoring tool for ranking global ETFs across valuation, growth, yield, and strategic categories, used to support allocation discussions and pitches to club members.

Education & Certifications

Academic foundation

B.S. Finance, Risk Management Concentration
William Paterson University  ·  Expected December 2028
Second Major in Economics
Minor in Professional Sales
Student Investment Club, Vice President
High Mountain Capital, Managing Director
NCAA Division III Football
Kean University  ·  2019 – 2020
Competed at the collegiate level while building discipline, time management, and leadership under high-pressure conditions before transferring to William Paterson.
Certifications
Industry & Technical Credentials
CFA Level I Candidate
CFA Institute · Sitting May 2027

FINRA Securities Industry Essentials (SIE)
Passed · July 2026

Microsoft Office Specialist: Excel Expert
Microsoft 365 Apps · Issued June 2026

Microsoft Office Specialist: PowerPoint Associate
Microsoft 365 Apps · Issued June 2026
Connect

Let's talk

I'm always open to connecting with professionals in finance, risk, and markets. Whether you're looking to discuss market trends, explore collaboration, or talk career opportunities — don't hesitate to reach out.

✉
Email
kevingheins@gmail.com
in
LinkedIn
Kevin Heins