AVPRatings (RMBS)

14457 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 * 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 useEducation * 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 preferredResponsibilitiesThe AVP-Ratings Analyst plays a lead role in the rating and monitoring of structured finance transactions, with a focus on RMBS and consumer ABS, delivering high-quality credit opinions and engaging actively with market participants. * 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