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.