FP&A Analyst

About World Business Lenders • World Business Lenders provides general-purpose, short-term, real estate-collateralized commercial loans to small and medium-sized businesses throughout the United States that may not have access to traditional sources of funding. • WBL is a U.S.-based company with a 100% remote workforce. We are seeking a detail-oriented FP&A Analyst to support the company’s financial planning, forecasting, modeling, and management-reporting activities. • This is a remote Contract/Consultant position. Standard working hours are generally 9:00 a.m. to 6:00 p.m. Eastern Time, Monday through Friday. Additional hours may occasionally be required based on operational needs. Position Overview • The FP&A Analyst will build, maintain, reconcile, and analyze financial models and reports within an assigned area of the FP&A function. • The role requires strong Excel skills, comfort working with large and sometimes incomplete datasets, and the ability to produce accurate, transparent, and well-documented analysis. • Analysts are expected to support the broader FP&A function as needed, but hiring and performance expectations will emphasize the primary functional assignment. Functional Assignment • Corporate Planning & Performance — budget and reforecast support; three-statement forecasting; operating expense and headcount planning; variance analysis; and management reporting. • Portfolio & Capital — origination and portfolio forecasting; NPL, REO, and recovery analysis; cash and liquidity; facility and covenant forecasting; and capital scenarios. • Strategic Finance, Data & Automation — channel, product, and unit economics; pricing and profitability; business cases and scenario modeling; automated reporting; FP&A data and model governance; due diligence; and workflow automation. Role Focus • A detail-oriented FP&A Analyst assigned to a primary functional area while supporting the broader planning and analysis needs of the business Key Responsibilities • Collect, organize, validate, and maintain financial and operational data used in FP&A models, reporting, and analysis. • Build, update, and maintain financial models, forecasts, analyses, and reports within the assigned functional area. • Reconcile model outputs and management reports to source data and financial statements and investigate discrepancies. • Analyze actual results and business performance, identify material drivers and variances, and prepare clear explanations. • Prepare scenario, sensitivity, break-even, and other decision-support analyses as needed. • Maintain clear model assumptions, supporting schedules, version control, change logs, and process documentation. • Support recurring management reporting and improve or automate reporting where practical. • Work with Accounting, Operations, and other departments to obtain required data and resolve inconsistencies. • Support broader FP&A, due-diligence, and ad hoc financial projects as needed. Requirements • Education: • Bachelor’s degree or equivalent experience in Finance, Accounting, Economics, Mathematics, Business Administration, Data Analytics, or a related field. • Experience: • Two to three years of progressive experience in FP&A, financial analysis, financial modeling, budgeting, forecasting, accounting analysis, or a related finance position. • Strong understanding of financial statements, including the income statement, balance sheet, and cash-flow statement. • Experience preparing budgets, forecasts, cash-flow projections, and actual-to-forecast variance analyses. • Advanced proficiency in Microsoft Excel, including: • Financial formulas and functions • Pivot tables and charts • Lookup and conditional formulas • Scenario and sensitivity analysis • Financial model construction • Excel-based reporting and dashboards • Working with large datasets • Ability to review financial information, identify discrepancies, and reconcile reports to source data. • Strong analytical and quantitative problem-solving skills. • Ability to explain financial results and analysis clearly to finance and non-finance stakeholders. • Relevant experience in at least one functional assignment listed above; candidates are not expected to have depth across all three. • Ability to work independently, manage recurring deadlines, and communicate regularly in a remote environment. Preferred Qualifications • Experience in commercial lending, mortgage lending, specialty finance, banking, or another financial-services environment. • Experience developing management reports or dashboards in Power BI. • Experience supporting multi-entity, multi-business-unit, or consolidated budgeting and forecasting processes. • Experience in one or more of the following: consolidated planning, lending or portfolio analysis, liquidity and capital planning, pricing or unit economics, or financial reporting automation. Benefits What We Offer 💰 USD compensation: $1,000–$1,500, with up to $1,800 considered for candidates with exceptional expertise or relevant experience. 🏖️ Paid Time Off (PTO). 🌍 Fully remote — work from wherever you do your best work! Ready to Apply? If this sounds like you, we'd love to hear from you - submit your CV in English and hit Apply!