RMBS - Associate (London)

Location: London, UK. Flexible hybrid schedule with office attendance on Tuesdays, Wednesdays, and Thursdays. The role requires the ability to travel freely between the EU and UK.

Company

hirify.global is a full-service credit rating agency providing ratings and research across structured finance and other credit markets.

What you will do

• Lead RMBS ratings processes from initiation through completion and manage project timelines.
• Build quantitative models for issuance structures and features and perform cash flow analysis using applications such as Intex.
• Prepare credit committee memoranda, presale, new issuance, surveillance, commentary, and research reports.
• Conduct collateral, pool-level cash flow, structural, and mortgage portfolio analysis across European jurisdictions.
• Manage communication with internal stakeholders, external counterparties, and market participants regarding ratings processes and credit views.
• Support operational risk reviews, conferences, transaction surveillance, and the development of structured finance methodologies.

Requirements

• Bachelor’s degree required; an advanced degree is an advantage.
• Three or more years of relevant RMBS or comparable asset rating experience preferred.
• Understanding of credit risk concepts, mortgage products, and market dynamics in at least one European jurisdiction or the UK.
• Strong quantitative skills and proficiency in Microsoft Excel, including VBA, with the ability to manipulate and format large datasets.
• Ability to analyze and present complex financial structures, collateral, and business issues concisely in reports and committees.
• Excellent written and verbal communication, time management, independence, and ability to work against deadlines.

Nice to have

• Working proficiency in Spanish or another European language.
• Familiarity with generative AI tools such as ChatGPT for research, data insights, and productivity.

Culture & Benefits

• Flexible hybrid work schedule.
• Competitive benefits and paid time off.
• Paid family and disability leave.
• Pension plan.
• Educational and professional development financial assistance.
• Employee referral bonus program.