Fundwell

Finance Consultant, Warehouse Facility

Fundwell

full-time

Posted on:

Location Type: Remote

Location: United States

Visit company website

Explore more

✨ AI Apply
Apply

Salary

💰 $175 - $250 per hour

About the role

  • 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

Requirements

  • 5+ years in structured finance, specialty lending, or credit fund operations — must have built warehouse facility models, not just corporate FP&A
  • Direct experience with MCA, RBF, factoring, or similar receivables-based lending — you understand factor rates, RTR, payment velocity, and how collections flow through an SPV
  • Prior work preparing financial models that were reviewed and approved by warehouse lender credit committees (banks, credit funds, or specialty finance lenders)
  • Expert-level Excel: complex cross-tab formulas, named ranges, data validation, scenario manager, and print layout for board/lender packages
  • Working knowledge of ASC 230 cash flow treatment for lending companies and GAAP revenue recognition for purchased receivables (ASC 310-20)
  • Strongly Preferred
  • CFA charterholder or MBA/MS Finance from a top-tier program (Ivy League, Stanford, MIT, Chicago Booth, Wharton, or equivalent)
  • Former role at a warehouse lender, credit fund, or specialty finance platform (OnDeck, Kabbage, Clearco, Pipe, or similar) — ideally on the capital markets or treasury desk
  • Experience with SPV structuring, borrowing base mechanics, and covenant negotiation from the borrower or lender side
  • Familiarity with Column, Evolve, Celtic, or other bank partnership / BaaS infrastructure
  • Track record of building pro forma portfolio models across multiple receivables asset classes (MCA, RBF, card, invoice factoring)
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
Excelfinancial modelingpayment waterfall modelingcash flow analysisscenario analysiscovenant compliance trackingadvance rate calculationsdelinquency triggersportfolio performance thresholdssensitivity analysis
Certifications
CFAMBAMS Finance