Job Purpose

To ensure the company understands and maximizes the impact of cash inflows and outflows. The Finance Manager oversees appraisals, draw requests, funding-related reporting support, and cash flow reporting. In addition, they play a critical role in evaluating inventory profitability, both prior to and post-investment.        

Key Responsibilities

·         Own the rolling cash forecast (30–90 day) and short-term liquidity visibility by producing rolling cash forecasts and identifying upcoming funding needs for CFO review.

·         Coordinate with appraisers and lenders to ensure partners receive information required for funding loan draws.

·         Create profitability and scenario analyses for land acquisition and development and vertical inventory decisions by partnering with Land, Construction, Purchasing, and Sales.

·         Maintain lot inventory on a monthly basis to inform the team of owned lots and to support financial forecasts for expected third-party lot sales.

·         Create and maintain reporting around borrowed funds and upcoming cash needs.

·         Track commitments to land partners and ensure terms are consistent with HUD-1 statements upon purchase.

·         Provide project-based support to the Controller on WIP and land accounting items as assigned.

Accountability

·         Maintain clear visibility into short- and mid-term cash positions, capital requirements, and debt structures, ensuring alignment with company benchmarks and risk tolerance.

·         Proactively identify and communicate trends, risks, and opportunities related to cash flow, financing, and near-term funding needs.

·         Provide financial oversight for land purchases, development commitments, and lot inventory, ensuring inventory reporting, cash requirements, and profitability analyses support disciplined investment decisions.

·         Serve as a financial liaison to internal stakeholders and external advisors, ensuring financial information, commitments, and risks are clearly communicated and understood.

Expectations

·         Ensure compliance with applicable financial laws, regulations, and internal guidelines while upholding the company’s values through accuracy, transparency, and professionalism.

Authority

·         Own the rolling cash forecast and debt tracking cadence within established financial guidelines and provide cash and debt assumptions to the FP&A Manager for incorporation into the company forecast.

·         Recommend financing, repayment and cash transfer actions to the CFO.

·         Maintain cash and debt reporting schedules and assumptions in coordination with the CFO and FP&A Manager.

·         Engage department leaders to validate assumptions and explain variances.

·         Review and validate land-related financial assumptions and analyses.

·         Flag risks, exceptions, or misalignment with agreed terms or financial expectations.

·         Support decision-making through accurate analysis and reporting.

·         Flag exceptions and potential compliance concerns identified through cash, debt, and inventory activities; escalate to the Controller or CFO as appropriate.

Relationships (Internal/External)

·         Bankers and Investors: Provide professional, timely and clear communication that builds strong relationships.

·         CFO: Collaborate with transparent communication around shifting priorities. Lead with accuracy and timeliness.

·         Garman Team Members: Build cross-departmental bridges to land and accounting to work towards common goals of the Garman companies.

Qualifications & Requirements

·         Bachelor’s degree in Finance, Accounting, or related field required; MBA or CPA preferred

·         5+ years of progressive finance and/or accounting experience

·         Strong proficiency in financial modeling, forecasting, and scenario analysis, with advanced Excel skills

·         Demonstrated ability to translate financial data into actionable insights for leadership and cross-functional partners

·         Experience in residential construction, homebuilding, or a project-based environment strongly preferred

·         Solid understanding of job cost accounting, margin analysis, and cost controls in a construction setting

·         Experience with Brix ERP (or similar construction-focused ERP systems) and QuickBooks preferred

·         High attention to detail with strong organizational skills; ability to manage multiple priorities and deadlines