AVP-Ratings (Consumer RMBS Surveillance Team)

EF; New York (NY); On-site; USD 162,000 - 234,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

401(k) Plan

Paid Time Off

Tuition Reimbursement

Employee stock purchase plan

Job summary

Moody’s is seeking a senior analyst to lead the surveillance and credit analysis of U.S. RMBS transactions within the US Consumer RMBS Surveillance Team of Moody’s Structured Finance group.

You will analyze credit and legal risks, perform cash flow modeling, and present rating recommendations. The role involves leading rating committees, producing research, and engaging with issuers and investors, with opportunities to mentor juniors and advance analytical capabilities, including GenAI

Qualifications

• Bachelor's degree with three or more years of relevant work experience.
• Strong analytical and modeling skills, ability to perform cash flow analysis.
• Excellent verbal and written communication; defend independent credit opinions.
• Demonstrated proficiency in AI concepts and using AI tools to streamline workflows.

Responsibilities

• Lead surveillance and credit analysis of U.S. RMBS transactions.
• Act as lead analyst for surveillance; analyze credit and legal risks; formulate rating recommendations.
• Perform cash flow modeling and 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 analytical pieces.
• Communicate with 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 GenAI and other emerging technologies.
• Support the RMBS new ratings team as needed.
• Mentor and support the development of less experienced analysts.

Skills

Analytical skills

Cash flow modeling

Communication

Ethical judgment

Time management

Team collaboration

Independent work

AI tools

Education

Bachelor’s degree in economics, finance, statistics, applied mathematics, financial engineering, or related field

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 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.

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.