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About the Role

Morningstar DBRS is seeking a highly motivated and experienced individual to join its Cash Flow Analytics group as a VP or AVP. This role supports Structured Finance transactions, providing cash flow analysis for various securitization types with a US focus. The candidate will work closely with ratings teams, act as a technical resource, and mentor junior analysts. This position is crucial for managing the team's capacity for new-issue and amendment volume, requiring the ability to independently manage complex transactions from start to finish.

Responsibilities

Develop, maintain, and run cash flow models in Intex Dealmaker, Python and other proprietary platforms for new-issue and amendment transactions.
Independently own bespoke and complex structures, including new asset classes and first-time issuers, where standardized approaches do not apply.
Interpret and analyze transaction legal documents, with a focus on waterfall and structural nuances necessary for building and running cash flows.
Reverse-engineer and reconcile issuer-provided assumptions and cash flows to Morningstar DBRS methodology.
Perform AI-assisted numerical input validation as part of the standard pre-review workflow.
Assist with analysis to evaluate the credit profile of securities and communicate results clearly to senior staff and Ratings Analyst teams, attending rating committees to present findings.
Provide review, guidance, and informal training to junior analysts, helping raise consistency and throughput across the team.

Requirements

Completion of a Bachelor’s degree in Finance, Engineering, Mathematics, or a related field.
4–10 years of experience working in Structured Finance, with direct, hands-on cash flow modeling experience.
Demonstrated ability to independently model bespoke and complex transactions under tight deadlines.
Strong quantitative and analytical abilities, with a high attention to detail.
Excellent written/verbal communication and interpersonal skills, including experience presenting to senior staff.
Self-starter and team player with a demonstrated ability to work in a fast-paced environment and mentor others.
Completion of a Master’s degree in Finance, Engineering, Mathematics, or a related field is a plus.
Completion of the Chartered Financial Analyst (CFA) program (or progress toward it) is a plus.
Proficiency in fixed income analytical software such as Intex (Dealmaker, Calc, Wrapper) is strongly preferred.
Proficiency in AI tools is strongly preferred.
Knowledge of advanced Excel/VBA functionality and Python is a plus.

Skills

Cash flow modeling
Intex Dealmaker
Python
Legal document interpretation
AI-assisted numerical input validation
Credit profile analysis
Advanced Excel/VBA

Location

New York
Chicago
Stamford

Work Type

Hybrid

Experience Level

VP/AVP
4-10 years

Education Level

Bachelor's degree in Finance, Engineering, Mathematics, or a related field
Master's degree in Finance, Engineering, Mathematics, or a related field (plus)
Chartered Financial Analyst (CFA) program (or progress toward it) (plus)

Salary/Compensations

$103,000.00-$161,102.66

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.
Morningstar's hybrid work environment gives you the opportunity to collaborate in-person each week as we've found that we're at our best when we're purposely together on a regular basis.
In most of our locations, our hybrid work model is four days in-office each week.
A range of other benefits are also available to enhance flexibility as needs change.
No matter where you are, you'll have tools and resources to engage meaningfully with your global colleagues.
R06_DBRSInc DBRS, Inc. - US Legal Entity