Analyst (ABS Team) - Moody's
New York, NY 10007
About the Job
Experience Level: Experienced Hire
Categories:
- Credit Analysis & Research
Location(s):
- 7 World Trade Center, 250 Greenwich Street, New York, New York, 10007, US
At Moody's, we unite the brightest minds to turn todays risks into tomorrows 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.
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.
Description
Moodys U.S. Consumer ABS Surveillance Team in the structured finance department is responsible for monitoring ratings on a wide variety of securitizations that are backed by consumer assets, including auto loans/leases, auto floorplan, credit cards, personal loans, student loans, solar loans/leases and timeshare loans. The team produces timely and high-quality research on developing trends and events in these asset classes through sector and issuer comments and in-depth research reports, and also participates in industry conferences and conducts investor/issuer meetings.
Responsibilities
The individual will be primarily responsible for analyzing the portfolio, structural, legal, and other credit aspects of U.S. Consumer ABS structured finance transactions and producing publishable research. The individual is also expected to undertake special projects intended to enhance Moody's thought leadership in credit markets and operational efficiencies. The candidate will be expected to lead rating committees and offer their analysis of the credit risk of the transactions, potential credit impact of the terms of the transaction documents and conduct appropriate market dialogue around transaction credit analysis.
Responsibilities
- Act as lead ratings analyst for U.S. consumer ABS transactions. Analyze transaction credit risks, model cash flows and analyze transaction and legal documents to formulate rating recommendations and opinions
- Communicate effectively with customers, including arrangers, issuers, investors, and outside legal experts
- Represent the team in operational reviews, issuer and investor meetings
- Write publishable research, including transaction-related reports, articles and in-depth reports on credit issues affecting the industry
- Engage in projects where data analytics and general artificial intelligence (GenAI) are applied to deliver innovative solutions.
Qualifications
- Masters degree in economics, statistics, applied mathematics, financial engineering or related quantitative field or advanced law degree. Or bachelors degree in economics, statistics, applied mathematics, financial engineering or related quantitative field with at least five or more years of experience as a credit analyst.
- Excellent verbal and written communication and presentation skills
- Strong modelling skills and ability to perform cash flow analysis using analytical tools
- 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
Preferred Qualifications
- Knowledge of and work experience in consumer ABS is desirable
- Master's degree or advanced law degree is highly desirable but not required
- Strongly prefer knowledge and working experience with various legal documents for securitizations, including legal counsel experience
- Familiarity with data analytics and GenAI, and the capacity to apply these skills for insightful problem-solving.
Other considerations
- Open to reviewing candidates with less years of experience with relevant skills for the role
#LI-Hybrid
For US-based roles only: the anticipated hiring base salary range for this position is [[$133,100 - [[$192,950, 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. Moodys 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.
Moodys is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, sex, gender, age, religion, national origin, citizen status, marital status, physical or mental disability, military or veteran status, sexual orientation, gender identity, gender expression, genetic information, or any other characteristic protected by law. Moodys 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 accommodations@moodys.com. 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. Click here to view our Notice to New York City Applicants.
Candidates for Moody's Corporation may be asked to disclose securities holdings pursuant to Moodys 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.