Mortgage Analyst - Structured Finance & Cash Flows

Rothesay; New York (NY); On-site; USD 125,000 - 175,000; Full time

Job summary

Rothesay is seeking a Mortgage Analyst in New York to join the RAM-NA team. You will work at the intersection of loan operations and structured finance, performing collateral analysis and building cash flow models for non-agency RMBS structures.

The role requires strong quantitative skills, advanced Excel, and the ability to convey technical findings to cross-functional teams. Prior mortgage analytics or capital markets experience is preferred to support securitization workflows.

Qualifications

• Bachelor’s degree required, preferably in Finance, Quantitative Economics, Mathematics, Engineering, or an analytical field.
• 1–3 years of experience in residential mortgage banking, capital markets, warehouse lending, or structured finance analytics.
• Strong Excel capabilities and familiarity with programming basics for handling large datasets.
• Familiarity with mortgage or structured finance tools and mortgage metrics.
• Excellent attention to detail, analytical mindset and strong communication.

Responsibilities

• Perform due diligence on residential whole-loan data files, validating features and credit attributes.
• Build, update, and stress-test cash flow models for non-agency securitization structures.
• Ingest and normalize loan tapes, maintain portfolio metrics, and prepare internal reports.

Skills

Excel

Programming basics

Analytical thinking

Attention to detail

Communication

Education

Bachelor’s degree

Tools

Intex Calc

Bloomberg

Proprietary platforms

Job description

Rothesay is seeking a Mortgage Analyst in New York to join the RAM-NA team. You will work at the intersection of loan operations and structured finance, performing collateral analysis and building cash flow models for non-agency RMBS structures.

The role requires strong quantitative skills, advanced Excel, and the ability to convey technical findings to cross-functional teams. Prior mortgage analytics or capital markets experience is preferred to support securitization workflows.