Financial Acumen: Advanced competency in spreading complex tax returns (1120, 1120S, 1065, Schedule C) and personal financial statements (1040s, PFS); deep expertise in global cash flow modeling, quality of earnings/add-backs, and working capital cycles. Credit Evaluation & Spreading: Analyzing commercial credit applications, business and personal tax returns, interim financials, and debt schedules to evaluate global cash flow, historical/projected DSCR, leverage, and guarantor financial capacity.