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About the Role
This role supports the analysis and assignment of credit ratings for U.S. residential mortgage-backed securities (RMBS). It offers the opportunity to deepen structured finance expertise, work closely with senior analysts, and interact with external market participants in a collaborative and analytical environment.
Responsibilities
- Conduct RMBS transaction analysis, including assessment of collateral characteristics, deal structures, credit enhancement levels, and legal frameworks.
- Identify and focus on key credit issues during the new-issue rating process.
- Review and evaluate banker cash-flow model outputs, providing feedback on structural assumptions.
- Serve as a co-lead or back-up analyst on selected transactions.
- Present analytical findings to rating committees with clarity and confidence.
- Collaborate with senior analysts to ensure accurate and consistent application of criteria.
- Contribute to the enhancement of structured finance criteria, models, and analytical tools.
- Perform sensitivities, transaction comparisons, and stress-testing tasks under the guidance of senior team members.
- Produce and publish market updates, newsletters, or concise commentary with minimal supervision.
- Participate in meetings with bankers, issuers, investors, and other market participants to discuss transaction details and analytical considerations.
- Represent the team professionally in all client-facing interactions.
Requirements
- Bachelor’s degree in finance, economics, math, engineering, computer science, or a related field.
- 5-7 years of experience in structured finance, securitization, banking, mortgage finance, or a relevant analytical role.
- Strong analytical and quantitative abilities, with excellent attention to detail.
- Proficiency in Microsoft Excel and standard Office applications.
- Organized, deadline-driven, and comfortable managing multiple priorities.
- Strong communication and presentation skills, with the ability to convey complex concepts clearly.
Skills
- Structured finance
- Mortgage-related products
- Microsoft Excel
- Standard Office applications
- Analytical
- Quantitative
- Attention to detail
- Communication
- Presentation
Location
- New York
Work Type
- Hybrid
Experience Level
- Assistant Vice President
- 5-7 years
Education Level
- Bachelor’s degree
Salary/Compensations
- $97,854.00-137,910.00
Benefits
- 100% 401k match up to 6% of salary
- Stock Ownership Potential
- Company provided life insurance - 1x salary + commission
- Comprehensive health benefits (medical/dental/vision)
- Potential premium discounts
- Company-provided HSA contributions (up to $500-$2,000 annually)
- Additional medical Wellness Incentives - up to $300-$600 annual
- Company-provided long- and short-term disability insurance
- Trust-Based Time Off
- 6-week Paid Sabbatical Program
- 6-Week Paid Family Caregiving Leave
- Competitive 8-24 Week Paid Parental Leave
- Adoption Assistance
- Leadership Coaching & Formal Mentorship Opportunities
- Annual Flex Stipend - $1000 annually
- Tuition Reimbursement
- Charitable Matching Gifts program
- Dollars for Doers volunteer program
- Paid volunteering days
- 15+ Employee Resource & Affinity Groups
About the Company
- Morningstar DBRS is a leading provider of independent rating services and opinions for corporate and sovereign entities, financial institutions and project and structured finance instruments globally.
- Rating more than 4,000 issuers and 60,000 securities, it is one of the top four credit rating agencies in the world.
- Morningstar DBRS empowers investor success by bringing more transparency and a much-needed diversity of opinion in the credit rating industry.
- Our approach and size allow us to be nimble enough to respond to customers' needs in their local markets, but large enough to provide the necessary expertise and resources they require.
- Market innovators choose to work with us because of our agility, tech-forward approach, and exceptional customer service.
- Morningstar DBRS is the next generation of credit ratings.
Equal Opportunity
- If you receive and accept an offer from us, we require that personal and any related investments be disclosed confidentiality to our Compliance team (days vary by region). These investments will be reviewed to ensure they meet Code of Ethics requirements. If any conflicts of interest are identified, then you will be required to liquidate those holdings immediately. In addition, dependent on your department and location of work certain employee accounts must be held with an approved broker (for example all, U.S. employee accounts). If this applies and your account(s) are not with an approved broker, you will be required to move your holdings to an approved broker.