AVP-Ratings; Consumer RMBS Surveillance Team

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.

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.

• 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.
• Demonstrated proficiency in artificial intelligence concepts, with hands-on experience using AI tools to streamline workflows and enhance operational efficiency.

• Bachelor’s degree in economics, finance, statistics, applied mathematics, financial engineering, or a related field with three or more years of relevant work experience

• 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.

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 $ - $, depending on factors such as experience, education, level, skills, and location.…