ABS Structuring Analyst

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At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever‑growing range of opportunities to discover what makes you thrive at every stage of your career.

Try new things, learn new skills and discover what you excel at—all from Day One.

This individual with quantitative background will be responsible for designing and enhancing a securitization cash flow model for various asset classes (e.g., auto loans, equipment leases, consumer debt, and CLOs) using VBA in Excel.

• Expand, develop, and maintain an in‑house ABS and CLO cash flow model in Excel/VBA. Expand its asset classes capabilities and fixed‑income analytics.
• Model and reverse‑engineer structured‑finance transactions, often while interacting with accounting firms or third‑party issuers.
• Assist transaction managers in the securitization process of various assets and securities utilizing the internal structuring tools and INTEX software.
• Engage in market analysis, data aggregation, and creation of presentations for senior management, sales, and issuers.
• Prepare term sheets and ensure the deal structure aligns with the documentation (such as offering memorandums).
• Execute tasks supporting the annual CCAR stress testing process.
• Work with other structurers on audit and internal risk group engagements.

• Bachelor’s degree in computer science, engineering, math, physics, statistics, or quantitative finance.
• Interest in fixed income and quantitative finance.
• Strong interpersonal skills and collaborative team player.

• Experience with object‑oriented design and coding, class design, and architecture.
• Strong programming skills and a background in either: computer science, math, physics, statistics, or quantitative finance.
• Quantitative background, understanding of financial mathematics, and proficiency in financial modeling tools such as Excel, VBA, SQL, R Studio, Bloomberg, and/or INTEX.
• Prefer experience with SQL database design, query, and scripting.
• Good communication skills for client interactions and internal coordination.
• Knowledge of Asset‑Backed Securities (ABS) and Collateralized Loan Obligations (CLOs) markets is highly beneficial.
• Ability to work in a fast‑paced, dynamic environment, often under tight deadlines.

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short‑term and long‑term disability
• Pregnancy disability and parental leave
• 401(k) and employer‑funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

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