U.S. RMBS Credit Ratings, Vice President - New York

Morningstar DBRS is seeking a ratings analyst with strong quantitative and analytical skills to join the Global Structured Finance group on the U.S. RMBS Credit Ratings team as a Vice President in New York. The successful candidate will primarily conduct all the activities required to assign new ratings for U.S. RMBS transactions, including collateral assessment, cash flow analysis, third‑party due diligence, and legal document reviews. The candidate should be willing to work in an environment with a strong focus on teamwork, have strong work ethic, have an analytical and quantitatively oriented mind‑set, and pay attention to details. The successful candidate will possess the interpersonal, presentation, and communication skills necessary to work with all levels of professionals, executives, and external contacts. The role offers wide opportunities to develop structured finance experience in a client‑facing environment. Job Responsibilities Act as a lead analyst on structured finance transactions, and present analysis to rating committee. Perform transaction analysis including analysis of collateral, deal structure and legal issues. Focus on key credit issues during the new issue rating process. Test cash flows to confirm accuracy and robustness of cash flow models. Conduct scenario/sensitivity analysis and communicate analysis to senior staff and colleagues. Conduct analysis to evaluate the credit profile of securities and review related legal documents. Participate in criteria development and enhancement of structured finance models. Produce and publish industry commentaries and newsletters. Build and maintain relationships with bankers, investors and originators. Qualifications Completion of bachelor’s degree in finance, math, economics, computer science, engineering, or any other related field. 5+ years of experience in structured finance. Proficiency in Microsoft Excel and Microsoft Office programs. Robust understanding of credit and legal aspects of structured finance transactions in the residential mortgage product area. Strong quantitative and analytical skills, with a high attention to detail. Excellent written and verbal communication and interpersonal skills. Self‑starter and team player with demonstrated ability to work in a fast paced environment. Personable, eager to learn, organized, deadline driven, and systems oriented. Familiarity with structured products market and technical expertise in using fixed income analytical systems such as Intex (Dealmaker, Calc) and Bloomberg. Nice To Have Master’s degree in finance, math, economics, computer science or any other related field. VBA, Python, or other basic programming skills. About Us Morningstar DBRS is a leading provider of independent rating services and opinions for corporate and sovereign entities, financial institutions, and project and structured finance instruments globally. Rating more than 4,000 issuers and 60,000 securities, it is one of the top four credit rating agencies in the world. Morningstar DBRS empowers investor success by bringing more transparency and a much‑needed diversity of opinion in the credit rating industry. Our approach and size allow us to be nimble enough to respond to customers' needs in their local markets, but large enough to provide the necessary expertise and resources they require. Market innovators choose to work with us because of our agility, tech‑forward approach, and exceptional customer service. Morningstar DBRS is the next generation of credit ratings. Compensation And Benefits Financial Health 100% 401k match up to 6% of salary Stock Ownership Potential Company provided life insurance - 1x salary + commission Physical Health Comprehensive health benefits (medical/dental/vision) including potential premium discounts and company‑provided HSA contributions (up to $500-$2,000 annually) for specific plans and coverages. Additional medical Wellness Incentives – up to $300-$600 annual Company‑provided long‑ and short‑term disability insurance Emotional Health Trust‑Based Time Off 6‑week Paid Sabbatical Program 6‑week Paid Family Caregiving Leave Competitive 8‑24 Week Paid Parental Leave Adoption Assistance Leadership Coaching & Formal Mentorship Opportunities Annual Flex Stipend - $1000 annually to cover personal education & well‑being expenses Tuition Reimbursement Social Health Charitable Matching Gifts program Dollars for Doers volunteer program Paid volunteering days 15+ Employee Resource & Affinity Groups Base Salary Compensation Range $113,308.00-178,794.66 Incentive Target Percentage 30% Annual Additional Information We require that personal and any related investments be disclosed confidentially to our Compliance team. These investments will be reviewed to ensure they meet Code of Ethics requirements. If any conflicts of interest are identified, a holder will be required to liquidate those holdings immediately. Depending on the department and location, certain employee accounts must be held with an approved broker; if this applies and an account is not with an approved broker, it will be required to move holdings to an approved broker. Morningstar's hybrid work environment gives employees the opportunity to collaborate in‑person each week, as researchers have found that being together regularly enhances performance. In most locations, the hybrid work model is four days in‑office each week, with additional benefits available to enhance flexibility as needs change. Regardless of location, employees will have tools and resources to engage meaningfully with colleagues worldwide. #J-18808-Ljbffr Morningstar