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About the Role

Act as a lead analyst on structured finance transactions with minimal supervision, presenting analysis to the rating committee. This role involves testing cash flows, conducting scenario analysis, and analyzing transaction structures, collateral, and legal issues within the RMBS sector. You will also contribute to criteria development, process improvement, and industry commentary.

Responsibilities

• Act as a lead analyst on structured finance transactions with minimal supervision
• Present analysis to rating committee
• Test cash flows to confirm accuracy and robustness of cash flow models
• Conduct scenario/sensitivity analysis and communicate analysis to senior staff and colleagues
• Perform transaction analysis including analysis of collateral, deal structures and legal issues
• Focus on key credit issues during the new issue rating process including industry regulations, disclosure practices and compliance requirements in the RMBS sector
• Coordinate with technology team to build and improve processes
• Participate in criteria development and enhancement of structured finance models
• Produce and publish industry commentaries and newsletters
• Participate in external meetings with bankers, investors, and originators
• Analysis of representation and warranties provided on the loans in the transaction, underwriting guidelines of originators to analyze the implications to the credit quality of the transaction collateral
• Build and maintain relationships with bankers, investors and originators
• Represent organization in industry conferences and panel discussions

Requirements

• Must possess unrestricted right to work in the U.S.

Skills

• Microsoft Excel
• Microsoft Office programs
• Quantitative and analytical skills
• VBA
• Python
• Fixed income analytical systems such as Intex (Dealmaker, Calc)
• Bloomberg

Location

• New York, NY

Work Type

• Remote work requests will be considered consistent with company’s remote work policy
• Domestic travel within USA required, not more than 10 days throughout the year
• Hybrid work environment
• Four days in-office each week

Experience Level

• 5 years of experience in structured finance in the Credit Analyst or relevant role
• Experience with assigning ratings to RMBS transactions backed by fix-and-flip loans, non-QM, prime jumbo QM, GSE-CRT, MILN, HELOC and other residential mortgage loans
• Experience with structured products market
• Technical expertise in using fixed income analytical systems such as Intex (Dealmaker, Calc) and Bloomberg
• Experience with credit and legal aspects of structured finance transactions in the residential mortgage product area
• Experience performing transaction analysis including analysis of collateral, deal structure, and legal issues
• Experience in Microsoft Excel and Microsoft Office programs
• Experience with quantitative and analytical skills
• Experience with VBA, Python, or other basic programming language
• Experience producing and publishing industry commentaries and newsletters

Education Level

• 3- or 4-year bachelor’s degree in Finance, Accounting, Commerce, Math, Economics, Computer Science, Engineering, or any other related field
• Will accept any suitable combination of education, training, and experience

Salary/Compensations

• $180,107 - 228,000

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) including potential premium discounts and company-provided HSA contributions (up to $500-$2,000 annually) for specific plans and coverages
• 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 to cover personal education & well-being expenses
• 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

• Morningstar DBRS is an equal opportunity employer.