Alexander Miguez

Commercial real estate finance professional with hands-on experience underwriting 400+ CRE assets across multifamily, office, hotel, and industrial property types, and monitoring credit performance across a portfolio of CMBS transactions. Skilled in analyzing DSCR, debt yield, and LTV through DCF and NOI analysis, spreading borrower and servicer financial statements, and co-authoring credit memos that inform committee-level lending decisions. Proficient in Argus Enterprise, CoStar, and advanced Excel financial modeling, with a strong foundation in risk assessment, due diligence, and portfolio surveillance suited to commercial credit analysis.

Investments Team Co-op at Unified Companies (2025-04 – 2025-09)

• Conducted contract review and due diligence on an acquisition target, identifying material risk factors and key deal terms and communicating findings to ownership to support the credit and investment decision
• Sourced and qualified acquisition leads through targeted market research, expanding the qualified deal pipeline
• Built market reports analyzing comparable sales, cap rates, and demand drivers, directly informing underwriting and go/no-go investment decisions
• Evaluated energy efficiency upgrades across portfolio properties with ESCO partners, identifying opportunities for operating expense savings and NOI improvement

CMBS Surveillance Analyst Co-op at Kroll Bond Rating Agency (2024-03 – 2024-09)

• Monitored credit performance across a portfolio of CMBS transactions, assessing borrower and property-level risk and flagging deterioration trends for senior analysts
• Completed 400+ cash flow analyses and underwriting reviews across multifamily, mixed-use, hotel, office, and industrial CRE assets, with zero rating committee escalations for surveillance errors
• Assessed DSCR, debt yield, and LTV metrics through DCF and NOI analysis, incorporating borrower and servicer operating statements to evaluate ongoing creditworthiness
• Co-authored credit memos and surveillance reports, translating loan- and property-level performance data into actionable recommendations for rating committee decisions

Project Estimating Co-op at Daniel J. Keating Construction Company (2023-04 – 2023-09)

• Tracked schedules and deliverables across multiple concurrent commercial construction bids, ensuring on-time submission of all estimating packages
• Coordinated between lead estimators, subcontractors, and project management to prepare cost estimates and bid packages, improving bid accuracy and supporting competitive pricing strategies

Bachelor of Arts in Entrepreneurship – Drexel University (2026-06)