Fundwell

Financial Planning and Analysis

• Audit and stress-test the existing Excel model across all tabs (origination, portfolio, waterfall, warehouse, P&L, cash flow) 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 base, stress, and covenant-breach 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 (collection rates, chargeoff rates, factor rates, WAL) and produce scenario analysis output suitable for lender presentations
• Ensure cash flow statement conforms to ASC 230 treatment for specialty lending (loan originations as investing, warehouse draws as financing, net income as operating)
• Produce a clean, presentation-ready model with clear assumption inputs, documentation tab, and print-formatted summary pages

Finance Consultant, Warehouse Facility