Senior Credit Analyst, RMBS

Location: New York, NY; unrestricted right to work in the U.S. required. Remote work requests may be considered under the company’s policy; the company’s hybrid model generally requires four days in the office each week. Domestic travel within the USA is required, for no more than 10 days per year.

Salary: $180,107–$228,000 annually

Company

hirify.global DBRS provides independent credit ratings and opinions for corporate and sovereign entities, financial institutions, and structured finance instruments.

What you will do

• Lead analysis of structured finance transactions with minimal supervision and present findings to rating committees.
• Analyze RMBS collateral, deal structures, legal issues, representations and warranties, and originator underwriting guidelines.
• Test cash flows and assess the accuracy and robustness of cash-flow models.
• Perform scenario and sensitivity analysis and communicate findings to senior staff and colleagues.
• Support industry criteria development, structured finance model enhancements, and technology-enabled process improvements.
• Produce industry commentaries and newsletters and represent the organization in meetings, conferences, and panel discussions.

Requirements

• Bachelor’s degree in finance, accounting, commerce, mathematics, economics, computer science, engineering, or a related field; equivalent combinations of education, training, and experience may be accepted.
• At least five years of experience in structured finance as a credit analyst or in a relevant role.
• Experience assigning ratings to RMBS transactions backed by fix-and-flip loans, non-QM, prime jumbo QM, GSE-CRT, MILN, HELOC, and other residential mortgage loans.
• Experience with structured products markets, residential mortgage credit and legal analysis, and transaction analysis.
• Technical proficiency with Intex fixed-income analytical systems, Bloomberg, Microsoft Excel, and Microsoft Office.
• Quantitative and analytical skills, plus experience with VBA, Python, or another basic programming language.

Culture & Benefits

• Hybrid work environment with regular in-person collaboration and tools for working with global colleagues.
• 401(k) matching of up to 6% of salary and potential stock ownership.
• Medical, dental, and vision coverage, HSA contributions, life insurance, and disability insurance.
• Trust-based time off, paid sabbatical, family caregiving and parental leave, and adoption assistance.
• Leadership coaching, mentorship, tuition reimbursement, and an annual $1,000 education and well-being stipend.
• Volunteer programs, charitable matching, paid volunteering days, and employee resource groups.