Moody's Investors Service

Let's begin! AVP-Ratings (Consumer RMBS Surveillance Team) (15374)

Moody's Investors Service • $161K — $234K *
New York, NY 10025In-Person
Finance & Insurance
5 - 7 years of experience
Today
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Job Overview by Ladders

Qualifications

  • 5-7 years of experience as a credit analyst, or a related field with relevant experience;
  • Master's degree in economics, finance, statistics, applied mathematics, financial engineering, or a related field;
  • Proficiency in using AI tools to enhance operations and streamline workflows;
  • Strong analytical skills, including cash flow analysis and transaction assessment;
  • Excellent communication skills to effectively present credit opinions;
  • Commitment to ethical AI use and risk management.

Responsibilities

  • Lead surveillance and credit analysis of U.S. RMBS transactions;
  • Analyze credit risks and formulate rating recommendations as lead analyst;
  • Conduct cash flow modeling and analyze transaction structures;
  • Produce publishable research and sector commentary on credit performance;
  • Communicate with internal and external stakeholders in the RMBS market;
  • Mentor and support less experienced analysts in the team;
  • Contribute to digital initiatives involving AI and emerging technologies.

Benefits

  • Medical, dental, and vision insurance;
  • Parental leave and paid time off;
  • 401(k) plan with contributions from both employees and the company;
  • Life, disability, and accident insurance;
  • Discounted employee stock purchase plan;
  • Tuition reimbursement for professional development.
Full Job Description
Skills and Competencies
  • 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.
  • Strong analytical and modeling skills, including the ability to perform cash flow analysis and assess transaction structures and legal documentation.
  • Excellent verbal and written communication skills, with the ability to clearly present and defend independent credit opinions.
  • Sound judgment and the highest ethical standards, with a professional, proactive, and collaborative working style.
  • Highly organized and efficient, with the ability to manage multiple priorities and meet tight deadlines.
  • Strong teamwork skills and the ability to work effectively with colleagues holding diverse perspectives.
  • Ability to work independently with minimal supervision while contributing to broader team objectives.

Education
  • Master's degree in economics, finance, statistics, applied mathematics, financial engineering, or a related field with relevant work experience, or a bachelor's degree in one of these fields with seven or more years of experience as a credit analyst.

Responsibilities
  • This role is responsible for leading the surveillance and credit analysis of U.S. RMBS transactions, producing high-quality research, and contributing to Moody's thought leadership and analytical innovation.
  • Act as lead analyst for surveillance of U.S. RMBS transactions, analyzing credit and legal risks and formulating rating recommendations.
  • Perform cash flow modeling and detailed analysis of transaction structures, collateral performance, and legal documentation.
  • Lead rating committees and present clear, well-supported views on transaction credit risk.
  • Produce publishable research, including transaction reports, sector commentary, and in-depth analytical pieces.
  • Communicate effectively with internal and external stakeholders, including issuers, arrangers, investors, and other market participants.
  • Participate in issuer and investor meetings, operational reviews, and industry conferences, representing the RMBS surveillance team.
  • Contribute to analytical, operational, and digital enablement initiatives, including projects involving GenAI and other emerging technologies.
  • Support the RMBS new ratings team as needed.
  • Mentor and support the development of less experienced analysts.

About the Team
The U.S. Consumer RMBS Surveillance Team within Moody's Structured Finance group is responsible for monitoring all active U.S. RMBS ratings. The team delivers timely, high-quality research on market developments and emerging risks, contributes to industry dialogue through conferences and investor and issuer engagement, and plays a key role in advancing analytical excellence and thought leadership across the structured finance market.

For US-based roles only: the anticipated hiring base salary range for this position is $161,500.00 - $234,250.00, depending on factors such as experience, education, level, skills, and location. This range is based on a full-time position. In addition to base salary, this role is eligible for incentive compensation. Moody's also offers a competitive benefits package, including not but limited to medical, dental, vision, parental leave, paid time off, a 401(k) plan with employee and company contribution opportunities, life, disability, and accident insurance, a discounted employee stock purchase plan, and tuition reimbursement.

About Moody's Investors Service

Moody's Investors Service is a bond credit rating business that provides research, credit rating, and financial risk analysis services. The company’s ratings and analysis track debt that covers various countries, corporate issuers, public finance issuers, and structured finance obligations. Additionally, the company also offers predictive ratings, research and investor briefings, pricing and valuation tools, and credit opinions. The company’s primary goal is to help investors analyze the credit risks associated with fixed-income securities. Moody’s Investor Service rates debt securities in several market segments related to public and commercial securities in the bond market. These include government, municipal and corporate bonds; managed investments such as money market funds, fixed-income funds, and hedge funds; financial institutions that include banks and non-bank finance companies; and asset classes in structured finance. Considered one of the Big Three credit rating agencies, Moody’s Investor Service employs approximately 6,100 people worldwide and maintains a presence in 28 countries. Moody’s Investor Service was founded by John Moody in 1999 and is headquartered in New York City, United States.

Moody's Investors Service Careers

Join the esteemed team at Moody's Investors Service, a leading global provider of credit ratings, research, and risk analysis. This is a prime opportunity to be part of a company that values professional growth, leadership, and innovation in the financial industry.

Work You’ll Do

At Moody's Investors Service, the focus is on empowering the financial community to make better decisions through high-quality, independent, and rigorous analytics. The team at Moody's Investors Service is dedicated to maintaining and enhancing the transparency, integrity, and efficiency of global markets.

Explore Job Opportunities and Internships

Moody's Investors Service offers a variety of career paths, including full-time positions and internships that provide valuable industry experience. The company is committed to fostering a culture of excellence where skilled, passionate, and solution-driven team players thrive.

Innovative Work Environment

Engage in work that matters with a team that combines deep industry expertise with innovation to deliver insights that matter to global markets. Moody's Investors Service is at the forefront of integrating cutting-edge technology and data analysis in the financial sector.

Professional Growth and Development

Moody's Investors Service believes in future-proofing careers by offering unmatched opportunities for professional development and advancement. Whether through leadership programs, diversity training, or networking events, employees are equipped to excel in their careers and contribute to the company's success.

Benefits and Culture

The culture at Moody's Investors Service is built on a foundation of respect, integrity, and inclusion. Employees enjoy comprehensive benefits designed to support their health, well-being, and financial security. The company's commitment to diversity and inclusive growth makes it a leader not just in financial services, but also as an employer of choice.

Join the Team

Discover the range of positions available, from analyst roles to leadership opportunities. Moody's Investors Service is actively hiring and looking for individuals who bring creativity, teamwork, and a strong work ethic to the table.

Prepare for Your Interview

To join Moody's Investors Service, start by tailoring your resume to highlight relevant skills and experiences. Prepare for your interview by researching the company's impact on the financial industry and come ready to discuss how your background aligns with the company's goals and values.

Stay Connected

Keep up to date with the latest from Moody's Investors Service by following their career blog. Gain insights from insiders, and stay informed about new job openings and industry news.

Career Advancement at Moody's Investors Service

With a steadfast commitment to nurturing talent and a clear path for career advancement, Moody's Investors Service remains a top choice for professionals aiming to excel in the financial sector. Explore how you can contribute to and benefit from the company's legacy of success.

Search Moody's Investors Service Jobs

Find the position that matches your skills and interests. Moody's Investors Service is looking for dedicated, curious, and innovative professionals to join their team. Explore the exciting and rewarding opportunities that await at Moody's Investors Service.
Learn more about Moody's Investors Service
Industry
Finance & Insurance
Founded
1900
* Ladders Estimates

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