AVP-Ratings (RMBS SFG)

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

• Excellent verbal and written communication and presentation skills.
• Strong modelling skills and ability to perform cash flow analysis using analytical tools, or willingness and ability to develop these skills.
• Sound judgment and highest ethical standards.
• Capable of developing independent opinions and defending own views clearly and succinctly.
• Professional, pro-active, collaborative, responsive.
• Highly organized and efficient, with ability to multi-task and meet tight deadlines.
• Strong teamwork skills and works well with colleagues with different viewpoints.
• Ability to work on own initiative, without the need for close supervision.
• Knowledge of and work experience in RMBS is strongly preferred.
• 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.

Education

• Preferred degree in economics, finance, statistics, applied mathematics, financial engineering or related quantitative field with five or more years of relevant work experience.

Responsibilities

• The individual will be primarily responsible for performing analysis to assign ratings on U.S. RMBS structured finance transactions and producing publishable research. The candidate will be expected to lead rating committees and offer their analysis of the credit risk, including cash flow analysis of the transactions and conduct appropriate market dialogue around transaction credit analysis.
• The individual is also expected to undertake special projects intended to enhance Moody's thought leadership in credit markets and operational efficiencies, including digital enablement projects where data analytics and Generative Artificial Intelligence (GenAI) are applied to deliver innovative solutions.
• Act as lead analyst for new issuance U.S. RMBS transactions. Analyze transaction credit and cash flows and analyze transaction and legal documents to formulate rating recommendations and opinions.
• Communicate effectively with customers.
• Involvement in a variety of projects to improve our capabilities, both analytically and operationally.
• Represent the team in operational reviews, issuer and investor meetings, and industry events.
• Write publishable research, including transaction-related reports, articles and in-depth reports on credit issues affecting the industry.
• Assist the RMBS surveillance team where appropriate.
• Act as a mentor to less experienced analysts in the team and RRS.

About the team

Moody’s U.S. RMBS New Ratings Team in the structured finance department is responsible for assigning ratings on a wide variety of securitizations backed by residential mortgages and other similar products. The team also produces timely and high-quality research on developing trends and events in the mortgage market through sector and issuer comments and in-depth research reports, and also participates in industry conferences and investor/issuer meetings.

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.

Moody’s is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, sex, gender, age, religion or creed, national origin, ancestry, citizenship, marital or familial status, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, military or veteran status, or any other characteristic protected by law. Moody’s also provides reasonable accommodation to qualified individuals with disabilities or based on a sincerely held religious belief in accordance with applicable laws. If you need to inquire about a reasonable accommodation, or need assistance with completing the application process, please email [email protected] . This contact information is for accommodation requests only, and cannot be used to inquire about the status of applications.

For San Francisco positions, qualified applicants with criminal histories will be considered for employment consistent with the requirements of the San Francisco Fair Chance Ordinance.

This position may be considered a promotional opportunity, pursuant to the Colorado Equal Pay for Equal Work Act.

Click here to view our full EEO policy statement . Click here for more information on your EEO rights under the law . Click here to view our Pay Transparency Nondiscrimination statement .

Candidates for Moody's Corporation may be asked to disclose securities holdings pursuant to Moody’s Policy for Securities Trading and the requirements of the position. Employment is contingent upon compliance with the Policy, including remediation of positions in those holdings as necessary.

For more information on the Securities Trading Program, please refer to the Securities Trading Policy on Moody’s Compliance Expo page

Please note: STP categories are assigned by the hiring teams and are subject to change over the course of an employee’s tenure with Moody’s.