M K Nithishkumar

About M K Nithishkumar

Finance stopped being theory for me the day I saw how one number could change a decision.A loan approved.A deal rejected.A property valued higher or lower.Behind every outcome was analysis.That curiosity pushed me from traditional banking into the world of financial analysis and real estate valuation.Today, I work on analysing commercial real estate appraisal reports, financial statements, and valuation data that support real credit and investment decisions inside global banking environments.Every file I review represents something real:• A company expanding• A property being financed• A risk being measured• A decision backed by numbersWhat excites me most is not the spreadsheets.It’s understanding the story behind the numbers. My journey so far:Started in retail banking, managing client relationships and handling financial operations.Moved into global investment operations, supporting investor onboarding, compliance, and financial data accuracy for international asset managers.Built strong technical foundations through certifications in financial modeling, valuation, equity research, and financial analysis.Earned NISM Research Analyst certification to deepen my analytical understanding of markets and businesses.Now focused on commercial real estate valuation and financial analysis.🧠 What I work with daily:• Commercial real estate appraisal reports• Financial statements and borrower data• Valuation comparables and market research• Excel-based analysis and validation• Financial and operational risk indicators Tools and skills I use:Financial AnalysisReal Estate ValuationFinancial ModelingExcel and Data AnalysisPower BIFinancial Statement AnalysisEquity and Industry Analysis What drives me:I am building toward becoming a stronger valuation and financial analysis professional.One report.One skill.One improvement at a time.🤝 Always open to connecting with people in:Real Estate ValuationFinancial AnalysisInvestment BankingEquity ResearchCredit RiskCommercial BankingIf you work in these areas, I would be glad to connect and learn from your journey.

Experience

1. Real Estate Appraisal Analyst

   JPMorganChase

   Dec 2025 — Present · Bengaluru, IN

   Analyzing commercial real estate valuation reports to support credit risk decisions across global lending portfolios• Reviewing borrower financial statements, rent rolls, operating statements, and appraisal documents to assess property performance and valuation reliability• Conducting property-level research using county records, public databases, and market sources to validate ownership, transaction history, and valuation inputs• Comparing subject property metrics with market comparables to identify valuation gaps, inconsistencies, and risk indicators• Extracting and interpreting critical appraisal data including cap rates, NOI, valuation approaches, and comparable sales for internal credit evaluation• Supporting valuation review processes by ensuring data accuracy, completeness, and adherence to JPMorgan Chase quality and risk control standards• Strengthening expertise in commercial real estate valuation, financial statement analysis, and asset-level risk assessment within the CIB Credit Risk framework• Working in a global environment supporting U.S. commercial real estate portfolios and institutional lending transactions

Education

• Malli Vidhyalaya High School

  SSLC 10th STD

• Thiagarajar Model Higher Secondary School

  HSC 12th STD

• Thiagarajar College

  Bachelor of Commerce - BCom, Business/Commerce, General

• Madurai Kamaraj University

  Master of Business Administration - MBA, Human Resources Management/Personnel Administration, General