Associate / VP – ABS Structuring & Modeling at Fifth Third Bank | Charlotte, NC, US | Rezi

Associate / VP – ABS Structuring & Modeling at Fifth Third Bank

Associate / VP – ABS Structuring & Modeling

Fifth Third Bank · Charlotte, NC, US

1 months ago

Associate / VP – ABS Structuring & Modeling

Fifth Third Bank · Charlotte, NC, US

a month ago
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About the Role

This role provides analytical and execution support across Asset-Backed Securities (ABS) transactions, assisting with structuring and cash flow modeling across multiple asset classes. The position supports public market issuances and private placement transactions, working closely with senior team members. Responsibilities include supporting bond analysis, assisting with modeling rating agency stresses, performing breakeven analysis, and conducting detailed cash flow analytics. This role serves as a core analytical resource supporting the ABS structuring, origination, and distribution process, and also supports the ABF team’s lending activities.

Responsibilities

  • Develop, maintain, and update cash flow models for ABS transactions using Intex, DealVector, and Excel/VBA, incorporating waterfall mechanics, triggers, and amortization features.
  • Design and optimize transaction structure, including tranche sizing, credit enhancement levels, and payment priorities, informed by rating agency criteria, investor considerations, and internal discussions.
  • Assist in the preparation of pitch books, transaction summaries and marketing materials by integrating cash flow analytics for both internal and external presentations.
  • Collaborate with various constituents of ABS transactions including the internal risk team, relationship managers, distribution desk, issuers, legal counsel, rating agencies, and investors.
  • Participate in roadshows and investor meetings as needed, provide technical explanations of cash flow mechanics, structural features, and risk mitigants.

Requirements

  • 4+ years of experience in structured finance, preferably at an investment bank, accounting or advisory firm, or rating agency.
  • Degree in Math, Computer Science, Engineering, Finance or other quantitative discipline.
  • Track record of structuring ABS warehouse and securitization transaction modeling.
  • Proficiency in Excel (complex formula), Intex, Bloomberg.
  • Basic programming skills (e.g. SQL, Python, VBA) a plus.
  • Strong understanding of cash flow waterfall mechanics, credit enhancement features, rating agency stress scenarios.
  • Prior experience with transportation (aircraft, container, and rail) and consumer assets (subprime auto) preferred along with exposure to digital infrastructure assets.
  • Experience with collateral analytics, including generating stratification tables, replines, and other analytical outputs from data tapes.
  • Familiarity with rating agency methodologies, including stress-case modeling and sensitivity analysis.
  • Understanding of macro market, rates, and hedging.
  • Knowledge of financing facilities (warehouse, term loan, portfolio).
  • FINRA Series 7, 63, and 79 licenses preferred; candidates without active licenses must be willing to obtain them within a reasonable timeframe.

Skills

  • Financial Modeling & Analytical Skills – Builds and maintains complex cash flow models, optimizes structures, and responds to investor and rating agency feedback.
  • Structured Finance & ABS Expertise – Structures deals, understands rating agency frameworks, and navigates financing facilities.
  • Stakeholder Collaboration & Communication Skills – Builds relationships, negotiates documentation, and responds to investor queries.
  • Leadership & Strategic Thinking – Provides structural insights and influences transaction outcomes through strategic input.

Location

  • New York, New York

Work Type

  • Onsite

Experience Level

  • 4+ years

Education Level

  • Degree in Math, Computer Science, Engineering, Finance or other quantitative discipline

Salary/Compensations

  • Compensation for this position is largely incentive-based. Incentive compensation is combined with either a base salary or a draw to determine total cash compensation, and incentive compensation is based upon company, line of business and/or individual performance. More information can be obtained upon request.

Benefits

  • Comprehensive benefits and differentiated compensation offerings
  • Extensive benefits programs designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being.

About the Company

  • Make banking a Fifth Third better®
  • We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.

Equal Opportunity

  • Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.