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Excel VLookup - Text Key Exact Match Numerical Value Not Exact Match

Trying to solve a problem in Excel without programming in VBA to solve the following example:

I have 2 or 3 Text Values which I am concatenating to use for a multiple constraint Vlookup/Index Match. The Vlookup then needs to reference a numerical field (Term) as a range match (Vlookup True) to return a single value. The following matrix has a small sample of the Matrix and "Key" Column used.

Given the following: Grid=201902_CH_C15 and AmortizationType=Fixed and Term=180

I expect a value of 0

Given the following: Grid=201902_CH_C15 and AmortizationType=Fixed and Term=120

I expect a value of -28.5

Given the following: Grid=201902_CH_C30 and AmortizationType=Fixed and Term=300

I expect a value of -5.

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Thanks to Mistrella - The following works using the Array Formula by doing Control+Shift+Enter at the End

=INDEX(Value,MATCH(1,(Grid=GridArray) (AmortizationType=AmortizationArray) (Term<=TermArray),0),0)

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