Payment Optimization Specialist

Uses Linear Programming + NPV Optimization algorithm with O(n * m) complexity for scenario generation. Capabilities include financing_calculation, scenario_generation, constraint_optimization, payment_optimization, and profitability_analysis. Sub-tasks: Calculate Financing Parameters, Generate Payment Scenarios, Apply DTI/LTV Constraints, Optimize Monthly Payment, Rank & Recommend Scenario. Calculates all financing parameters, generates 6 payment scenarios (finance and lease options across multiple terms), applies DTI/LTV/PTI constraints, uses linear programming to optimize monthly payments within constraints, ranks scenarios by customer fit and dealer profit, and recommends the optimal scenario with pros/cons analysis.