RMBS - Associate / Associate Director (NY/Chicago)

Location: Hybrid work in the New York, New York or Chicago, Illinois office; office attendance is required Tuesday, Wednesday, and Thursday.

Annual base salary: $100,000–$150,000.

Company

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

What you will do

• Lead analysis of residential mortgage-backed securities transactions and interact with clients, structuring banks, and investors.
• Analyze loan pools, bond structures, cash flows, legal structures, and transaction documentation.
• Prepare credit memoranda, presale reports, and new issue reports, and present transactions to rating committees.
• Support surveillance of existing transactions and participate in seller/servicer due diligence, investor discussions, and industry events.
• Mentor and support the development of junior analysts.

Requirements

• Bachelor’s degree required; relevant experience in residential real estate, rating agencies, RMBS, or other ABS asset classes.
• 3+ years of relevant experience strongly preferred.
• Strong analytical skills in loan credit risk assessment, transaction evaluation, and bond cash flow analysis.
• Intermediate to advanced Excel skills and proficiency with Intex cash flow modeling software.
• Excellent written and verbal communication, initiative, independence, collaboration, and attention to detail.

Nice to have

• MBA or CFA.
• Familiarity with CoreLogic, Fannie/Freddie Single Family Data, BlackKnight, or eMBS.
• Experience using generative AI tools such as ChatGPT for research, data insights, and productivity.

Culture & Benefits

• Hybrid work schedule with three required office days per week.
• Competitive benefits and paid time off.
• Paid family and disability leave.
• 401(k) plan with a fully vested employer match.
• Educational and professional development financial assistance.
• Employee referral bonus program.

Hiring process

• An Excel test may be administered during the interview process.
• A writing sample may be requested.