Financial Modeler – Credit and Debt

bullpen talent

. Serve as a Credit & Debt subject-matter expert for an artificial intelligence company developing frontier AI systems for institutional financial reasoning and quantitative analysis .

Posted 11/6/2026full-timeRemote • MexicoJuniorMid-LevelWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in constructing complex financial models and debt schedules, with a strong command of credit risk analysis and cash flow modeling under US GAAP/IFRS. Proficient in articulating credit rationale and structural protections in written form.

Highest-signal resume keywords

Financial ModelingCredit Risk AnalysisExcel ModelingDebt StructuringCash Flow Analysis

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial Modeling StandardsDebt Schedule ConstructionCash Flow WaterfallsCovenant Compliance Checks3-Statement Financial StatementsSensitivity AnalysisStress TestingCollateral MechanismsRepayment ModelsQuantitative Analysis

Soft Skills

Clear CommunicationAnalytical ThinkingAttention to Detail

Tools & Technologies

Excel

Industry Keywords

Private DebtLeveraged FinanceCredit FundsDirect LendingProject FinanceCredit RiskAsset-Based LendingStructured FinanceCovenantsUS GAAP

About the role

Key responsibilities & impact

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

What you’ll need

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

Comp & perks

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