Analyst

Finsight Group Inc; Dallas, Northern (TX, KY); Hybrid; USD 85,000 - 110,000; Full time

Benefits offered by this job

Health benefits

Dental insurance

Retirement plan

Paid time off

Job summary

Goldman Sachs is seeking an Analyst to support the Credit & Asset Finance business within Structured Finance Analytics. You will manipulate large loan-level datasets to generate portfolio insights and act as a client advisor on securitization transactions, including MBS and consumer ABS.

The role requires strong analytical and communication skills, collaboration with clients and cross-functional teams, and experience with Python, SQL, and CAS for portfolio analysis.

Qualifications

• Bachelor’s degree (U.S. or foreign equivalent).
• 0 to 3 years of loans / Fixed income experience or internship in related fields.
• Experience with Python, SQL and reporting tools.
• Experience with large structured and unstructured datasets (millions/billions of loan records).
• Understanding of fixed income analytics (duration, convexity, yield modeling).
• Familiarity with mortgage or consumer credit performance data.

Responsibilities

• Perform large-scale data manipulations across loan-level records delivering portfolio insights to traders, bankers and clients.
• Act as client advisor and perform analytics on advisory securitization transactions (MBS, consumer ABS).
• Collaborate with clients using data from Settlement, Latest Month End Servicer, TPR due diligence, Originator Data.
• Perform data validations and create portfolio level stratification and replines.
• Own portfolio collateral analysis across deal lifecycle using Python, CAS, and SQL.
• Provide pool level CPR speeds, loss severity and credit enhancement from rating agency models.
• Assist in populating credit memo and PPM materials with outside accountants/lawyers.
• Perform asset pool selection based on contribution requirements on ABS/CMBS securitization.

Skills

Python

SQL

Reporting tools

Fixed income analytics

Mortgage data

Credit performance data

Education

Bachelor’s degree

Tools

CAS

Job description

This Analyst position supports the Credit & Asset Finance business within the Structured Finance Analytics team at Goldman Sachs. The candidate will perform large-scale data manipulations and act as a client advisor on securitization transactions, requiring strong analytical skills and communication proficiency.

• Perform large-scale data manipulations across millions of loan-level records delivering portfolio-level insights and strategic asset selection to traders, bankers and clients using statistical methods.
• Act as a client advisor and perform analytics on all advisory securitization transactions including any MBS classes and consumer ABS classes. Responsibilities include:
  • Collaborate with clients and work with data from various sources including:
    • Settlement Data
    • Latest Month End Servicer Data
    • TPR due diligence Data
    • Originator Data
  • Perform data validations and create portfolio level stratification and replines.
  • Own portfolio collateral analysis across full deal lifecycle – from asset selection, pricing, marketing and closing using python, CAS, and SQL.
  • Provide pool level CPR speeds, loss severity and credit enhancement from RA (Fitch, KBRA, Moodys, Milan) models.
  • Assist in populate credit memo and PPM materials with outside accountants and lawyers.
  • Perform asset pool selection based on contribution requirements on ABS/CMBS securitization.
• Work with rating agencies and create historical performance matrices (CPR, CDR, Charge off, Recoveries, Loss) to project future performance.
• Manage cross-functional relationship with the desk, IBD, transaction management, diligence, operation, controller, and technology team to ensure monthly portfolio activities are accurately represented.
• Strong communication skills (written and spoken) to translate technical analytics into client-facing insights.

MINIMUM EDUCATION REQUIREMENTS/DEGREE AND FIELD:

Bachelor’s degree (U.S. or foreign equivalent)

MINIMUM YEARS EXPERIENCE REQUIRED:

0 to 3 years of loans / Fixed income experience or internship in related fields

PREFERRED SKILLSETS:

• Undergraduate in Finance, Economics, Mathematics, or other STEM related degrees.
• Experience with python, SQL and reporting tools required.
• Experience working with large structured and unstructured datasets (millions/ billions of loan records).
• Understanding of fixed income analytics (duration, convexity, yield modeling).
• Familiarity with mortgage or consumer credit performance data.
• Ability to operate in high-pressure execution environment with parallel deal flow.

SALARY RANGE

N/A

BENEFITS

We offer a wide range of health and welfare programs that vary depending on office location. These generally include medical, dental, short-term disability, long-term disability, life, accidental death, labor accident and business travel accident insurance.

We offer competitive vacation policies based on employee level and office location. We promote time off from work to recharge by providing generous vacation entitlements and a minimum of three weeks expected vacation usage each year.

Financial Wellness & Retirement

We assist employees in saving and planning for retirement, offer financial support for higher education, and provide a number of benefits to help employees prepare for the unexpected. We offer live financial education and content on a variety of topics to address the spectrum of employees’ priorities.

Health Services

We offer a medical advocacy service for employees and family members facing critical health situations, and counseling and referral services through the Employee Assistance Program (EAP). We provide Global Medical, Security and Travel Assistance and a Workplace Ergonomics Program. We also offer state-of-the-art on-site health centers in certain offices.

Fitness

To encourage employees to live a healthy and active lifestyle, some of our offices feature on-site fitness centers. For eligible employees we typically reimburse fees paid for a fitness club membership or activity (up to a pre-approved amount).

Child Care & Family Care

We offer on-site child care centers that provide full-time and emergency back-up care, as well as mother and baby rooms and homework rooms. In every office, we provide advice and counseling services, expectant parent resources and transitional programs for parents returning from parental leave. Adoption, surrogacy, egg donation and egg retrieval stipends are also available.

Benefits at Goldman Sachs

Read more about the full suite of class-leading benefits our firm has to offer.