Financial Modeler – Credit and Debt

This is a fully remote position, open to applicants in Mexico.

📋 Description

• Act as a Credit & Debt subject-matter expert for an artificial intelligence firm focused on developing cutting-edge AI systems for institutional financial reasoning and quantitative analysis.

• Design comprehensive credit, debt sizing, and repayment models entirely from scratch using Excel.

• Create dynamic multi-tranche debt schedules that encompass senior secured, mezzanine/subordinated, revolving facilities, unitranche, and PIK notes.

• Model mandatory amortization, cash sweeps, interest capitalization, and prepayment mechanics.

• Analyze and stress-test CFADS, DSCR, LLCR, PLCR, interest coverage, and net debt-to-EBITDA across varying economic cycles.

• Develop sensitivity tables and downside scenarios to assess default probabilities, covenant headroom, breakeven cash flows, and liquidation/recovery outcomes.

• Establish collateral and borrowing base mechanisms, including eligible receivables/inventory, advance rates, concentration limits, and reserves.

• Provide structured written explanations in English addressing credit rationale, structural protections, formula mechanics, and accounting relationships.

• Generate completed workbooks, formulas, and step-by-step logic as foundational datasets for training, benchmarking, and refining AI models.

⛳️ Requirements

• 2–8+ years of relevant experience in Private Debt, Credit Funds, Leveraged Finance, Direct Lending, Project Finance, Rating Agencies, or Credit Risk / Underwriting.

• Demonstrated capability to construct complete, auditable debt schedules and cash flow models from a blank Excel workbook.

• Adherence to disciplined financial modeling standards, such as FAST or institutional credit equivalents, ensuring zero circularity errors.

• Practical experience in structuring cash flow waterfalls, principal repayment schedules, covenant compliance checks, and reserve accounts like DSRA.

• Strong understanding of 3-statement financial statements following US GAAP / IFRS.

• Insight into how fluctuations in working capital, Capex, and operational shocks impact cash available for debt service.

• Willingness to dedicate 35–40 hours per week consistently over time.

• Proficient in professional English and capable of clearly communicating credit risk logic, covenants, and mathematical processes in writing.

• Preferred 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.

🏝️ Benefits

• 100% remote and fully asynchronous work arrangement.

• Competitive global pay with consistent monthly contractor compensation.

• Flexible working hours organized around output milestones.

• Opportunity to directly influence advanced AI models in credit analysis.

• Genuine autonomy in structuring working hours around deliverables.