AVP-Ratings (RMBS)

Moody's Corporation; Greater London; On-site; GBP 90,000 - 150,000; Full time

Job summary

Moody's Corporation is seeking a qualified analyst to lead the analysis, rating, and surveillance of structured finance transactions. You will produce independent credit opinions, assess risk factors, and provide market insight.

You will model cash flows, review documentation, and present findings to rating committees, engaging with issuers, investors, trustees, servicers, and advisers. Experience in AI-enabled workflows is valued.

Qualifications

• Bachelor’s degree in Finance, Economics, Applied Mathematics, Statistics, Financial Engineering, or related quantitative field with relevant experience in credit analysis for structured finance or general credit analysis
• Master’s degree preferred

Responsibilities

• Lead the analysis, rating, and surveillance of structured finance transactions
• Act as lead analyst for structured finance transactions and present key credit risks
• Model cash flows and review stress scenarios to assess performance
• Communicate with issuers, investors, trustees, and advisors
• Produce transaction reports, market commentary, and thought leadership
• Monitor ratings and identify emerging risks to enhance analytical frameworks

Skills

Structured finance knowledge

Credit analysis

Cash flow modeling

Analytical thinking

Stakeholder management

Technical writing

AI concepts

Multi-tasking

Education

Bachelor’s degree in Finance, Economics, Applied Mathematics, Statistics, Financial Engineering, or related quantitative field

Master’s degree preferred

Job description

At Moody's, we unite the brightest minds to turn today’s risks into tomorrow’s opportunities. We do this by striving to create an inclusive environment where everyone feels welcome to be who they are—with the freedom to exchange ideas, think innovatively, and listen to each other and customers in meaningful ways. Moody’s is transforming how the world sees risk. As a global leader in ratings and integrated risk assessment, we’re advancing AI to move from insight to action—enabling intelligence that not only understands complexity but responds to it. We decode risk to unlock opportunity, helping our clients navigate uncertainty with clarity, speed, and confidence.

If you are excited about this opportunity but do not meet every single requirement, please apply! You still may be a great fit for this role or other open roles.

Skills and Competencies

• Strong understanding of structured finance transactions, including analysis of credit, structural, operational, and legal risks
• Demonstrated ability to evaluate transaction performance, collateral characteristics, and structural features to develop independent credit opinions and rating recommendations
• Experience modeling cash flows and assessing transaction performance under a variety of stress scenarios
• Strong analytical and quantitative skills with the ability to synthesize complex information and communicate key conclusions effectively
• Ability to lead discussions with internal and external stakeholders, including issuers, investors, arrangers, trustees, servicers, and advisors
• Excellent written communication skills with experience producing publishable research, market commentary, and thought leadership content
• Ability to manage multiple priorities independently while maintaining high standards of analytical quality and accuracy
• Demonstrated proficiency in artificial intelligence concepts, with hands-on experience using AI tools to streamline workflows and enhance operational efficiency. Proven ability to implement AI-powered solutions to solve business challenges. Demonstrates a growing awareness of AI risk management and a commitment to responsible and ethical AI use.

Education

• Bachelor’s degree in Finance, Economics, Applied Mathematics, Statistics, Financial Engineering, or a related quantitative field with at least three years of experience in credit analysis for structured finance transactions, or five years of experience in general credit analysis
• Master’s degree preferred

Responsibilities

Lead the analysis, rating, and surveillance of structured finance transactions while providing independent credit opinions and market insight.

• Act as lead analyst for structured finance transactions, including the analysis of credit, structural, operational, and legal risks
• Analyze transaction performance, collateral characteristics, and structural features to formulate rating recommendations and credit opinions
• Model cash flows and review transaction documentation to assess the impact of various stress scenarios and transaction performance outcomes
• Lead rating committees and present analyses of transaction structures, legal considerations, and key credit risks
• Communicate effectively with arrangers, issuers, investors, trustees, servicers, and external advisors
• Represent the team in operational reviews, issuer meetings, and investor discussions
• Produce transaction reports, sector commentary, market trend analyses, and thought leadership related to structured finance
• Monitor outstanding ratings, identify emerging risks and performance trends, and contribute to initiatives that enhance analytical frameworks, operational efficiency, and digital enablement

About the Team

The Structured Finance Ratings team is responsible for the analysis, rating, and surveillance of a broad range of structured finance transactions across multiple asset classes. The team delivers high-quality research on market developments and emerging risks, engages actively with issuers and investors, and contributes to industry dialogue through conferences, research publications, and thought leadership. By joining the team, you will work in a collaborative environment focused on analytical excellence, innovation, professional development, and the responsible adoption of technology and AI-enabled solutions to enhance research, insight, and operational effectiveness.

For US-based roles only: the anticipated hiring base salary range for this position is $161,500.00 - $234,250.00, depending on factors such as experience, education, level, skills, and location. This range is based on a full-time position. In addition to base salary, this role is eligible for incentive compensation. Moody’s also offers a competitive benefits package, including not but limited to medical, dental, vision, parental leave, paid time off, a 401(k) plan with employee and company contribution opportunities, life, disability, and accident insurance, a discounted employee stock purchase plan, and tuition reimbursement.
Moody’s is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, sex, gender, age, religion or creed, national origin, ancestry, citizenship, marital or familial status, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, military or veteran status, or any other characteristic protected by law. Moody’s also provides reasonable accommodation to qualified individuals with disabilities or based on a sincerely held religious belief in accordance with applicable laws. If you need to inquire about a reasonable accommodation, or need assistance with completing the application process, please email [e-mail]. This contact information is for accommodation requests only, and cannot be used to inquire about the status of applications.

For San Francisco positions, qualified applicants with criminal histories will be considered for employment consistent with the requirements of the San Francisco Fair Chance Ordinance.

This position may be considered a promotional opportunity, pursuant to the Colorado Equal Pay for Equal Work Act.

Candidates for Moody's Corporation may be asked to disclose securities holdings pursuant to Moody’s Policy for Securities Trading and the requirements of the position. Employment is contingent upon compliance with the Policy, including remediation of positions in those holdings as necessary.
For more information on the Securities Trading Program, please refer to the Securities Trading Policy on Moody’s Compliance Expo page
Please note: STP categories are assigned by the hiring teams and are subject to change over the course of an employee’s tenure with Moody’s.