[Hiring] Finance Consultant @Fundwell

Role Description

This role involves auditing and enhancing financial models for a financial technology platform.

• Audit and stress-test the existing Excel model across all tabs for formula integrity, cross-tab consistency, and economic reasonableness
• Rebuild or refine the payment waterfall to properly model SPV cash flows, priority of payments, and residual distributions under various scenarios
• Validate warehouse facility mechanics: advance rate calculations, borrowing base certificates, utilization tracking, unused commitment fees, and facility capacity constraints
• Build covenant compliance tracking: DSCR coverage tests, concentration limits, delinquency triggers, and portfolio performance thresholds with early amortization modeling
• Sensitize key assumptions and produce scenario analysis output suitable for lender presentations
• Ensure cash flow statement conforms to ASC 230 treatment for specialty lending
• Produce a clean, presentation-ready model with clear assumption inputs, documentation tab, and print-formatted summary pages

Deliverables

• Audited and corrected financial model in Excel with version-controlled changes and full formula documentation
• Pro forma portfolio projections for each product channel including portfolio roll-forward, collection curves, chargeoff waterfalls, and balance outstanding by vintage
• Assumption documentation and multi-scenario sensitivity tables
• Covenant compliance dashboard with breach scenario analysis and early amortization trigger modeling
• 1-page model summary suitable for inclusion in warehouse lender pitch materials

Qualifications

• 5+ years in structured finance, specialty lending, or credit fund operations
• Direct experience with MCA, RBF, factoring, or similar receivables-based lending
• Prior work preparing financial models that were reviewed and approved by warehouse lender credit committees
• Expert-level Excel skills
• Working knowledge of ASC 230 cash flow treatment for lending companies and GAAP revenue recognition for purchased receivables

Strongly Preferred

• CFA charterholder or MBA/MS Finance from a top-tier program
• Former role at a warehouse lender, credit fund, or specialty finance platform
• Experience with SPV structuring, borrowing base mechanics, and covenant negotiation
• Familiarity with Column, Evolve, Celtic, or other bank partnership / BaaS infrastructure
• Track record of building pro forma portfolio models across multiple receivables asset classes