AVP-Ratings (Consumer RMBS Surveillance Team)

Moody's Corporation; New York (NY); On-site; USD 162,000 - 234,000; Full time

Benefits offered by this job

Medical benefits

Dental insurance

Vision insurance

Parental leave

Paid time off

401(k) plan with company match

Life insurance

Disability insurance

Stock purchase plan

Tuition reimbursement

Job summary

Moody's Corporation in New York is seeking a senior RMBS Surveillance Analyst to lead credit analysis and surveillance of U.S. RMBS transactions.

You will perform cash flow modeling, analyze transaction structures, and present rating recommendations to committees, helping drive analytical excellence. The role emphasizes strong analytical and communication skills, independence, teamwork, and the application of GenAI and other technologies to improve workflows.

Qualifications

• Strong analytical and modeling skills
• Excellent verbal and written communication skills
• Sound judgment and high ethical standards
• Highly organized and efficient, manage multiple priorities
• Strong teamwork and collaboration
• Ability to work independently with minimal supervision
• Proficiency with AI concepts and tools

Responsibilities

• Lead surveillance and credit analysis of U.S. RMBS transactions; produce high-quality research
• Act as lead analyst for surveillance; analyze credit and legal risks; formulate rating recommendations
• Perform cash flow modeling and transaction-structure analyses
• Lead rating committees; present well-supported views on credit risk
• Publish research, sector commentary, and in-depth analytical pieces
• Communicate with issuers, arrangers, investors, and market participants
• Participate in issuer/investor meetings and industry conferences
• Contribute to initiatives including GenAI and other technologies
• Support RMBS new ratings team as needed
• Mentor and develop less experienced analysts

Skills

Analytical skills

Communication

Ethical judgment

Organizational skills

Teamwork

Independence

AI concepts

Education

Bachelor's degree in economics/finance/math

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. We are seeking candidates who model our values: invest in every relationship, lead with curiosity, champion diverse perspectives, turn inputs into actions, and uphold trust through integrity.

Skills And Competencies

• Strong analytical and modeling skills, including the ability to perform cash flow analysis and assess transaction structures and legal documentation.
• Excellent verbal and written communication skills, with the ability to clearly present and defend independent credit opinions.
• Sound judgment and the highest ethical standards, with a professional, proactive, and collaborative working style.
• Highly organized and efficient, with the ability to manage multiple priorities and meet tight deadlines.
• Strong teamwork skills and the ability to work effectively with colleagues holding diverse perspectives.
• Ability to work independently with minimal supervision while contributing to broader team objectives.
• Demonstrated proficiency in artificial intelligence concepts, with hands‑on experience using AI tools to streamline workflows and enhance operational efficiency.

Education

• Bachelor’s degree in economics, finance, statistics, applied mathematics, financial engineering, or a related field with three or more years of relevant work experience

Responsibilities

• This role is responsible for leading the surveillance and credit analysis of U.S. RMBS transactions, producing high-quality research, and contributing to Moody’s thought leadership and analytical innovation.
• Act as lead analyst for surveillance of U.S. RMBS transactions, analyzing credit and legal risks and formulating rating recommendations.
• Perform cash flow modeling and detailed analysis of transaction structures, collateral performance, and legal documentation.
• Lead rating committees and present clear, well‑supported views on transaction credit risk.
• Produce publishable research, including transaction reports, sector commentary, and in‑depth analytical pieces.
• Communicate effectively with internal and external stakeholders, including issuers, arrangers, investors, and other market participants.
• Participate in issuer and investor meetings, operational reviews, and industry conferences, representing the RMBS surveillance team.
• Contribute to analytical, operational, and digital enablement initiatives, including projects involving GenAI and other emerging technologies.
• Support the RMBS new ratings team as needed.
• Mentor and support the development of less experienced analysts.

About The Team

The U.S. Consumer RMBS Surveillance Team within Moody’s Structured Finance group is responsible for monitoring all active U.S. RMBS ratings. The team delivers timely, high‑quality research on market developments and emerging risks, contributes to industry dialogue through conferences and investor and issuer engagement, and plays a key role in advancing analytical excellence and thought leadership across the structured finance market.

For U.S. 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.