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About the Role

This role involves assigning new ratings for U.S. RMBS transactions, including collateral assessment, cash flow analysis, third-party due diligence, and legal document reviews. It offers opportunities to develop structured finance experience in a client-facing environment.

Responsibilities

• Act as a lead analyst on structured finance transactions, and present analysis to rating committee.
• Perform transaction analysis including analysis of collateral, deal structure and legal issues.
• Focus on key credit issues during the new issue rating process.
• Test cash flows to confirm accuracy and robustness of cash flow models.
• Conduct scenario/sensitivity analysis and communicate analysis to senior staff and colleagues.
• Conduct analysis to evaluate the credit profile of securities and review related legal documents.
• Participate in criteria development and enhancement of structured finance models.
• Produce and publish industry commentaries and newsletters.
• Build and maintain relationships with bankers, investors and originators.

Requirements

• Completion of bachelor’s degree in finance, math, economics, computer science, engineering, or any other related field.
• 5+ years of experience in structured finance.
• Proficiency in Microsoft Excel and Microsoft Office programs.
• Robust understanding of credit & legal aspects of structured finance transactions in the residential mortgage product area.
• Strong quantitative and analytical skills, with a high attention to detail.
• Excellent written and verbal communication and interpersonal skills.
• Self-starter and team player with demonstrated ability to work in a fast paced environment.
• Personable, eager to learn, organized, deadline driven, and systems oriented.
• Familiarity with structured products market and technical expertise in using fixed income analytical systems such as Intex (Dealmaker, Calc) and Bloomberg.

Skills

• Microsoft Excel
• Microsoft Office
• Intex (Dealmaker, Calc)
• Bloomberg
• VBA
• Python

Location

• New York

Work Type

• Hybrid

Experience Level

• Vice President
• 5+ years

Education Level

• Bachelor’s degree
• Master’s degree

Salary/Compensations

• $113,308.00-178,794.66
• 30% Incentive Target Percentage

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) 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 is committed to working with and providing reasonable accommodation to individuals with disabilities.
• Morningstar is an E-Verify program participant.
• Morningstar is strongly committed to creating and preserving equal opportunity for all employees and applicants.
• We make all employment decisions—including recruitment, hiring, compensation, training, promotion, transfer, discipline, termination, and other personnel matters—without regard to race, color, ancestry, religion, sex, national origin, age, disability, protected veteran status, marital status, sexual orientation, genetic information, citizenship, gender identity and expression, parental status, or other legally protected characteristics or conduct.