CHANCE HEINOLD
RÉSUMÉ
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Chance Heinold

Credit and debt analyst roles, 2026. Credit risk assessment, financial modeling and portfolio evaluation, including management of a $10M multi-asset portfolio on the Bloomberg Terminal using VaR modeling and scenario analysis, plus municipal budgeting and regulatory research experience.

Education

B.S. Finance, magna cum laude

SEPT 2022 – MAY 2026
RUTGERS BUSINESS SCHOOL — NEW BRUNSWICK, NJ
  • GPA 3.71. Dean's List, Fall 2022 – Spring 2026.
  • Coursework: Credit Analysis, Fixed Income, Derivatives, Investment Analysis, Digital Assets, Corporate Finance.
Experience

Portfolio Manager, Student Investment Fund

SEPT 2025 – MAY 2026
SENIOR FINANCE CAPSTONE, RUTGERS BUSINESS SCHOOL
  • Selected as 1 of 20 students for a year-long capstone managing a $10 million simulated multi-asset portfolio, developing strategies to outperform the benchmark on a risk-adjusted basis.
  • Led a team of four to the top-performing portfolio among 5 competing student teams.
  • Used the Bloomberg Terminal and portfolio risk analytics for VaR modeling, scenario analysis, tracking-error decomposition and performance attribution, reported weekly.

Senior Law Clerk

MAY 2025 – PRESENT
RAYMOND COLEMAN HEINOLD LLP — MOORESTOWN, NJ
  • Prepared and reviewed complex legal and municipal documents — ordinances, agreements and transactional instruments — requiring compliance with applicable financial and regulatory requirements.
  • Conducted statutory, regulatory and case law research and prepared analytical memoranda to evaluate issues, assess risk, and support litigation and transactional decision-making.
  • Collaborated with attorneys on client communications, synthesizing complex information into clear, well-supported recommendations.

Finance Intern

JUNE – AUG 2025
MUNICIPALITY OF MOORESTOWN TOWNSHIP, NJ
  • Worked with the Chief Financial Officer to prepare annual municipal budgets and project-based financial plans in Excel, supporting forecasting and compliance with fiscal guidelines.
  • Reconciled bank statements and processed invoices against internal accounting records, identifying discrepancies and maintaining documentation supporting cash flow management.

Finance Intern

JUNE – AUG 2024
CORA CAPITAL ADVISORS — MARLTON, NJ
  • Attended 25+ client meetings with portfolio managers and advisors, tracking how asset allocation recommendations were framed against short- and long-term goal-based plans.
  • Researched individual funds and securities for advisor review, comparing holdings, expense ratios and performance history in Excel.
Projects

Investment Grade Credit Thesis — Intel Corporation

APR 2026
CREDIT ANALYSIS — TEAM OF FIVE
  • Assessed BBB/Baa2 across capital structure, coverage, peer comparison against AMD, NVIDIA and TSMC, and projected free cash flow. Concluded the rating and negative outlook were both justified on interest coverage of 2.0× against capex above $18B annually.

Rating Review — Johnson Controls International

MAY 2026
CREDIT ANALYSIS — TEAM OF FIVE
  • Applied the Moody's scorecard end to end across scale, business profile, profitability, leverage and coverage, and financial policy. Concurred with the 2025 upgrade to Baa1 with a stable-to-positive outlook.

The Financial Crisis vs. The COVID Pandemic

NOV 2025
HONORS FINANCE SEMINAR — TEAM OF FOUR
  • Comparative study of Fed and fiscal response across 2008 and 2020 built on fifteen constructed figures — Treasury bid-ask spreads, IG corporate spreads, commercial paper, repo volatility, MMF outflows, bank lending, and corporate and municipal issuance.

Equity Valuation & Corporate Credit Analysis

2025 – 2026
COURSEWORK
  • Built DCF and comparable-company models in Excel to estimate intrinsic value. Assessed corporate credit quality using ratio analysis, cash flow coverage and debt-servicing capacity.
Skills & Involvement
Technical
Bloomberg Terminal · Excel (financial modeling, PivotTables, XLOOKUP) · Tableau · Python · QuickBooks · AI tooling
Entrepreneurship
Co-Founder, Barbets — a prediction market for friends
Campus
Rutgers Football Video Production & Analytics (2023 Pinstripe Bowl champions) · Rutgers Real Estate Club · LIBOR
Interests
Surfing · backcountry skiing · rock climbing · psychological thrillers
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