AVP-Ratings (RMBS)

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

Benefits offered by this job

Medical benefits

Dental benefits

Vision benefits

Parental leave

Paid time off

401(k) plan

Job summary

Moody's is seeking a lead analyst for structured finance transactions in the US. You will assess credit, structural, legal and operational risks, and independently lead rating discussions with issuers, investors, and advisors.

You will model cash flows, stress test scenarios, and publish insightful research across markets. This role requires 3+ years in credit analysis, a quantitative degree, and strong communication skills.

Qualifications

• Lead analyst for structured finance transactions with risk focus.
• Strong modeling and stress-testing cash flows across scenarios.
• Deep understanding of structural, legal and operational risks.

Responsibilities

• Lead rating committees and present credit analyses.
• Analyze transaction performance, collateral and features.
• Model cash flows and review docs for stress impact.
• Engage with arrangers, issuers, investors and lawyers.
• Publish research, sector commentary and market analyses.
• Monitor ratings and identify emerging risks across sectors.
• Participate in projects to enhance analytical frameworks and efficiency.
• Contribute to digital enablement initiatives.

Skills

Structured finance credit analysis

Financial modeling

Credit risk understanding

Lead rating discussions

Written & verbal communication

Stakeholder engagement

Multitasking in fast-paced environment

AI concepts & tools

Education

Bachelor's degree in finance / related field

3+ years structured finance credit analysis

Master's degree preferred

Tools

AI tools

Financial modeling software

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.

Skills And Competencies

• Demonstrated expertise in structured finance credit analysis, with a strong command of RMBS, consumer ABS, and related asset classes
• Strong financial modeling skills, including the ability to build and stress-test cash flow models to evaluate transaction performance under various scenarios
• Solid understanding of credit, structural, legal, and operational risks inherent in structured finance transactions
• Ability to independently lead rating committee discussions, articulate credit opinions clearly, and defend analytical conclusions
• Excellent written and verbal communication skills, with the ability to produce publication-ready research, including presale reports, surveillance commentary, and market analyses
• Strong stakeholder engagement skills, with experience interacting with arrangers, issuers, investors, trustees, servicers, and legal counsel
• Proven ability to manage multiple transactions and competing priorities in a fast-paced, deadline-driven environment
• 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 required
• Minimum of 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

• Serve as lead analyst for structured finance transactions, including 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 stress scenarios and performance outcomes
• Lead rating committees and present analysis 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 forums
• Produce publishable research including transaction reports, sector commentary, market trend analyses, and thought leadership pieces related to structured finance
• Monitor outstanding ratings and identify emerging risks and performance trends across structured finance sectors
• Participate in special projects to enhance analytical frameworks, operational efficiency, and digital enablement initiatives

About The Team

The Structured Finance Ratings Team within Moody's Structured Finance Group is responsible for the analysis, rating, and surveillance of a broad range of structured finance transactions across multiple asset classes. The team delivers timely, 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. Team members work in a collaborative environment focused on analytical excellence, innovation, mentorship, and long-term career growth — including the continued adoption of data-driven and AI-enabled analytical tools.

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.