Financial Modeler (Credit and Debt)

Location: Mexico; 100% Remote (Fully Asynchronous)ContractSenior

Salary not disclosed

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Job Details

Have 2–8+ years of direct experience in private debt, credit funds, leveraged finance, direct lending, project finance, rating agencies, or credit risk/underwriting.
Demonstrate the ability to build full, auditable debt schedules and cash flow models from a blank Excel workbook.
Apply disciplined financial modeling standards such as FAST or institutional credit equivalents, with zero circularity errors.
Have hands-on experience with cash flow waterfalls, principal repayment schedules, covenant compliance checks, and reserve accounts such as DSRA.
Understand three-statement financial accounting under US GAAP or IFRS, including how working capital, Capex, and operational shocks affect cash available for debt service.
Write fluent professional English explanations of credit risk logic, covenants, and mathematical steps.
Be available to commit 35–40 dedicated hours per week on an ongoing basis.
Asset-based lending experience modeling borrowing bases, advance rates, dilution, and collateral-driven credit facilities is a nice-to-have.
Structured finance or ABS experience with tranched waterfalls, loss distributions, credit enhancements, and prepayment/default curves is a nice-to-have.

Build integrated credit, debt-sizing, and repayment models from scratch in Excel without pre-built templates, plug-ins, or automation tools.
Create dynamic multi-tranche debt schedules covering senior secured, mezzanine or subordinated, revolving, unitranche, and PIK debt.
Model mandatory amortization, cash sweeps, interest capitalization, and prepayment mechanics.
Calculate and stress-test CFADS, DSCR, LLCR, PLCR, interest coverage, and net debt-to-EBITDA across business cycles.
Build sensitivity tables and downside scenarios to assess default probabilities, covenant headroom, breakeven cash flows, and liquidation or recovery outcomes.
Model collateral and borrowing bases, including eligible receivables or inventory, advance rates, concentration limits, and reserves.
Write structured explanations in English covering credit rationale, structural protections, formula mechanics, and accounting relationships.

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