Fractional CPA – Senior Quality of Earnings Reviewer

Your CPA credentials should mean something. Put them behind work you can stand behind.

We’re looking for a US-based CPA with deep Quality of Earnings and transaction advisory experience to provide senior-level review and sign-off on QoE reports.

You won’t be building the analysis from scratch. An experienced team handles the financial analysis, workpapers, and initial report drafting. Your role is to challenge the work, strengthen the conclusions, raise the quality bar, and take professional responsibility for the final deliverable when appropriate.

Location: US Based - Fully Remote

Your Mission: Day to Day Responsibilities

• Review QoE analysis, supporting documentation, and underlying workpapers

• Challenge and validate proposed EBITDA/SDE adjustments and add-backs

• Review normalized earnings, revenue quality, working capital, and financial-statement reconciliations

• Review cash-proof and supporting financial analysis

• Confirm conclusions are adequately supported and defensible

• Provide final technical and editorial review of completed reports

• Sign or co-sign reports when professionally appropriate

• Respond to questions from SBA lenders and underwriting teams

• Participate in occasional lender calls

• Provide feedback, coaching, and technical guidance to the existing team

• Help improve QoE templates, methodologies, and quality-control procedures

This is not a rubber-stamp role. You’ll need to be sufficiently involved in the review process to be comfortable putting your name and CPA credentials behind the work.

Your Toolbox: Skills to be Successful

• Active US CPA license in good standing

• Significant Quality of Earnings and/or transaction advisory experience

• Experience reviewing lower-middle-market acquisitions

• Strong command of normalized EBITDA/SDE, add-backs, working capital, cash proof, revenue quality, and financial-statement reconciliation

• Ability to thoroughly review underlying workpapers and take professional responsibility for the final report

• Comfortable signing or co-signing reports when professionally appropriate

• Strong communication skills with lenders and underwriting teams

• US-based and available during normal US business hours

Strongly preferred:

• Experience with SBA 7(a) acquisition transactions

• Background in accounting, transaction advisory, or financial due diligence

• Familiarity with new SBA QoE requirements taking effect October 1, 2026

• Experience supervising offshore or distributed analyst teams

• Experience improving templates, methodologies, and QC processes

Your Perks: What's in it for you

• Fractional, project-based engagement—hourly or per project

• Start with a few engagements per month and scale as volume grows

• Work alongside an experienced analysis and project-management team

• Focus your time on senior review, judgment, and quality—not rebuilding analysis from scratch

• Opportunity to help shape the methodology and QC standards of a growing SBA-focused QoE practice

• Flexible recurring work without a full-time commitment
  

Why Adaptive Teams?
At Adaptive Teams, we don’t just fill positions – we create pathways to success. Whether you’re a seasoned pro or just starting out, we’re here to help you grow, innovate, and make an impact. If you’re looking for exciting opportunities and, a team that’s as passionate as you are, this is the place to be.

What to Expect from Our Application Process?
Once you apply, you’ll receive an email guiding you through the next steps, including an assessment tailored to the role. Be sure to check your inbox (and your spam folder, just in case) for further instructions.
We understand your time is valuable, so we strive to keep the assessment process under 45 minutes whenever possible, though some roles may require a slightly longer time investment.
Once selected, you’ll have the chance to schedule your first interview with our team. We aim to make the process as smooth and transparent as possible, so you’ll always know where you stand.