Financial Modeler – Credit and Debt

🔥 2 minutes ago

🇲🇽 Mexico – Remote

⏰ Full Time

🟢 Junior

🟡 Mid-level

💸 Financial Planning and Analysis (FP&A)

🚫👨‍🎓 No degree required

👻 Ghost score 12%

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📋 Description

• Serve as a Credit & Debt subject-matter expert for an artificial intelligence company developing frontier AI systems for institutional financial reasoning and quantitative analysis • Construct integrated credit, debt sizing, and repayment models completely from scratch in Excel • Build dynamic multi-tranche debt schedules covering senior secured, mezzanine/subordinated, revolving facilities, unitranche, and PIK notes • Model mandatory amortization, cash sweeps, interest capitalization, and prepayment mechanics • Model and stress-test CFADS, DSCR, LLCR, PLCR, interest coverage, and net debt-to-EBITDA across varying business cycles • Construct sensitivity tables and downside scenarios evaluating default probabilities, covenant headroom, breakeven cash flows, and liquidation/recovery outcomes • Build collateral and borrowing base mechanisms, including eligible receivables/inventory, advance rates, concentration limits, and reserves • Provide structured written explanations in English covering credit rationale, structural protections, formula mechanics, and accounting relationships • Produce completed workbooks, formulas, and step-by-step logic as ground-truth datasets for training, benchmarking, and fine-tuning AI models

🎯 Requirements

• 2–8+ years of direct experience in Private Debt, Credit Funds, Leveraged Finance, Direct Lending, Project Finance, Rating Agencies, or Credit Risk / Underwriting • Proven ability to build full, auditable debt schedules and cash flow models from a blank Excel workbook • Disciplined financial modeling standards, such as FAST or institutional credit equivalents, with zero circularity errors • Hands-on experience structuring cash flow waterfalls, principal repayment schedules, covenant compliance checks, and reserve accounts such as DSRA • Solid command of 3-statement financial statements under US GAAP / IFRS • Understanding of how working capital swings, Capex, and operational shocks affect cash available for debt service • Availability to commit 35–40 dedicated hours per week on an ongoing basis • Fluent professional English and ability to clearly articulate credit risk logic, covenants, and mathematical steps in writing • Experience with Asset-Based Lending, borrowing bases, advance rates, dilution, and collateral-driven credit facilities preferred • Experience with Structured Finance / ABS, tranched waterfalls, loss distributions, credit enhancements, and prepayment/default curves preferred

🏖️ Benefits

• 100% remote and fully asynchronous work arrangement • Competitive global pay with consistent monthly contractor compensation • Flexible work hours structured around output milestones • Opportunity to directly influence frontier AI models in credit analysis • True autonomy in structuring working hours around deliverables

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