AVPRatings (RMBS)

14455 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.If you are excited about this opportunity but do not meet every single requirement, please apply! You still may be a great fit for this role or other open roles. 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 understanding of structured finance transactions, including analysis of credit, structural, operational, and legal risks * Demonstrated ability to evaluate transaction performance, collateral characteristics, and structural features to develop independent credit opinions and rating recommendations * Experience modeling cash flows and assessing transaction performance under a variety of stress scenarios * Strong analytical and quantitative skills with the ability to synthesize complex information and communicate key conclusions effectively * Ability to lead discussions with internal and external stakeholders, including issuers, investors, arrangers, trustees, servicers, and advisors * Excellent written communication skills with experience producing publishable research, market commentary, and thought leadership content * Ability to manage multiple priorities independently while maintaining high standards of analytical quality and accuracy * 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 with at least three years of experience in credit analysis for structured finance transactions, or five years of experience in general credit analysis * Master's degree preferredResponsibilitiesLead the analysis, rating, and surveillance of structured finance transactions while providing independent credit opinions and market insight. * Act as lead analyst for structured finance transactions, including the 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 various stress scenarios and transaction performance outcomes * Lead rating committees and present analyses 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 discussions * Produce transaction reports, sector commentary, market trend analyses, and thought leadership related to structured finance * Monitor outstanding ratings, identify emerging risks and performance trends, and contribute to initiatives that enhance analytical frameworks, operational efficiency, and digital enablementAbout the TeamThe Structured Finance Ratings team