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About the Role
Provide independent research and recommendations on asset-backed commercial paper programs and asset-backed securities held across fixed income and money market portfolios. Your analysis will help portfolio managers and credit committees make informed investment decisions and identify emerging risks. You will evaluate transaction structures, collateral performance, credit enhancement, cash flow waterfalls, and liquidity support; perform modeling, stress testing, and ongoing surveillance; and translate complex findings into clear, actionable recommendations. You will also help strengthen research methodologies, data analytics, automation, and AI-enabled surveillance capabilities.
Responsibilities
- Provide independent research and recommendations on asset-backed commercial paper programs and asset-backed securities.
- Evaluate transaction structures, collateral performance, credit enhancement, cash flow waterfalls, and liquidity support.
- Perform modeling, stress testing, and ongoing surveillance.
- Translate complex findings into clear, actionable recommendations.
- Own assigned coverage and prioritize time-sensitive reviews.
- Collaborate with portfolio management, trading, risk management, issuers, servicers, rating agencies, and other research partners.
- Strengthen research methodologies, data analytics, automation, and AI-enabled surveillance capabilities.
Requirements
- Bachelor’s degree in finance, economics, accounting, business, or a related field.
- 3+ years of experience in credit research, structured finance, fixed income analysis, banking, a rating agency, or a related investment discipline.
- Working knowledge of asset-backed commercial paper (ABCP) programs, including program structure, program-wide and seller-specific credit enhancement, liquidity facilities, asset eligibility and concentration criteria and seller/servicer quality.
- Working knowledge of asset-backed securities (ABS) across collateral types, including cash flow waterfalls, credit enhancement, collateral performance, servicer and originator quality, and review of transaction documents and trustee reports.
- Ability to develop well-supported credit recommendations and communicate complex findings clearly to portfolio managers, credit committees, and cross-functional partners.
- Strong analytical thinking, decision-making, collaboration, and adaptability when evaluating changing market conditions and emerging risks.
- Experience performing cash flow modeling, scenario analysis, or stress testing for structured finance transactions.
- Experience with structured finance analytics platforms or credit surveillance systems.
- Advanced Microsoft Excel and financial modeling capabilities.
- Familiarity with data analytics, automation, or AI-enabled research workflows.
- Strong written, verbal, and presentation communication skills.
Skills
- Structured finance expertise
- Analytical thinking
- Decision-making
- Clear communication
- Adaptability
- Cash flow modeling
- Scenario analysis
- Stress testing
- Structured finance analytics platforms
- Credit surveillance systems
- Advanced Microsoft Excel
- Financial modeling
- Data analytics
- Automation
- AI-enabled research workflows
- Written communication
- Verbal communication
- Presentation skills
Location
- On site
Work Type
- On site
- Full-time
Experience Level
- Senior Analyst
- 3+ years of experience
Education Level
- Bachelor’s degree in finance, economics, accounting, business, or a related field
Salary/Compensations
- Eligible for bonus or incentive opportunities
About the Company
- At Schwab, you’re empowered to make an impact on your career.
- Innovative thought meets creative problem solving, helping us challenge the status quo and transform the finance industry together.