Finance Consultant, Warehouse Facility
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Job Description
Finance Consultant optimizing warehouse facility models for a financial technology platform. Ensuring accurate cash flow and compliance for effective funding solutions.
Responsibilities:
- 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)
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