RMBS - Director (NY) at KUBRA

New York, New York, United States

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Not SpecifiedCompensation

Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Financial Services, Credit RatingsIndustries

Requirements

B.A./B.S. degree required; MBA or CFA are a plus
10+ years of relevant Residential Real Estate, Rating Agency, or RMBS experience strongly preferred; will consider 10+ years of compelling experience across ABS asset classes
Experience in RMBS 2.0 sectors such as Prime, Non-QM, and second-lien loans
Experience in modeling esoteric RMBS assets or building bespoke credit analysis for RMBS or ABS assets is a strong plus
Experience with esoteric RMBS sectors (e.g., Reverse Mortgage, MSR, HEI contracts, Ginnie Mae EBO, and/or RTL) strongly preferred
Strong analytical skills relating to transaction evaluation, including loan credit risk assessment and analysis of bond cash flows
Intermediate to advanced Excel skills (Excel test may be administered)
Proficiency with Intex cash flow modeling software
Excellent written and verbal communication skills (writing sample may be requested)
Ability to take initiative, work independently, and work closely with partners in a collaborative environment
Exceptional attention to detail
Programming skills (e.g., VBA, Python, R, and/or SQL) are a plus
Familiarity with residential mortgage datasets/tools (e.g., CoreLogic, Fannie/Freddie Single Family Data, BlackKnight, eMBS) are a plus
Familiarity with Generative AI tools such as ChatGPT for research, data insights, and general productivity is a plus

Responsibilities

Serve as lead analyst interacting with clients, structuring banks, and investors on transactions
Conduct loan pool analysis, modeling and analysis of bond structure, and review of legal structure and documentation
Conduct collateral and cash flow analysis
Prepare/facilitate the preparation of credit memos and present transactions to rating committees
Prepare presale and new issue reports
Prepare analytical reports for publication
Support surveillance efforts for existing transactions
Create and/or maintain analytical tools to enhance RMBS team capabilities
Manage and mentor junior staff
Contribute to the development of rating methodologies as needed

Skills

Key technologies and capabilities for this role

RMBSABSCash Flow AnalysisCollateral AnalysisLoan Pool AnalysisBond Structure ModelingCredit AnalysisNon-QMPrime JumboSecond LienSurveillanceRating MethodologiesCredit MemosLegal Documentation Review

Questions & Answers

Common questions about this position

What is the salary for this RMBS Director position?

This information is not specified in the job description.

Is this role remote or does it require working in an office?

The position is based in the New York, NY office.

What skills are required for the RMBS Director role?

Required skills include strong analytical skills for transaction evaluation, intermediate to advanced Excel skills, proficiency with Intex cash flow modeling software, and excellent written and verbal communication skills. Programming skills like VBA, Python, R, or SQL and experience with esoteric RMBS sectors are a plus.

What is the RMBS team like at KBRA?

The RMBS team has issued ratings on securities from over 740 transactions across various sectors and focuses on delivering high-quality, accurate, timely, and consistent credit ratings through asset credit risk analysis, liability structure scenario analysis, and research.

What makes a candidate successful for this Director role?

Success requires a B.A./B.S. degree (MBA or CFA a plus), 10+ years of relevant RMBS, rating agency, or residential real estate experience, experience in RMBS 2.0 sectors like Prime, Non-QM, and second-lien loans, plus strong analytical skills, Intex proficiency, and the ability to work independently and collaboratively.

KUBRA

Customer experience management for utilities and government

About KUBRA

KUBRA provides customer experience management solutions tailored for large utility companies and government entities in North America. Their services include billing and payments, mapping, mobile applications, proactive communications, and artificial intelligence tools, all aimed at improving customer interactions and operational efficiency. KUBRA's solutions are used by over 365 clients, impacting more than 40% of households in the U.S. and Canada, resulting in over 1.5 billion customer interactions each year. The company offers various digital payment options, including partnerships with Apple Pay and Google Pay, ensuring convenience for customers. KUBRA generates revenue through subscription fees for its software and transaction fees from payment processing, allowing for steady income while expanding its offerings. The goal of KUBRA is to enhance customer engagement and streamline operations for utilities and government organizations.

Mississauga, CanadaHeadquarters

1992Year Founded

GROWTH_EQUITY_VCCompany Stage

Government & Public Sector, Fintech, AI & Machine LearningIndustries

501-1,000Employees

Benefits

Paid day off for your birthday

Flexible Work Hours

Bi-annual performance-based bonus

Professional Development Budget

Health Savings Account/Flexible Spending Account

401(k) Company Match

Risks

Emerging tech startups pose a competitive threat to KUBRA's market share.

Economic downturns may reduce budgets for KUBRA's utility clients.

Data privacy regulations could increase compliance costs for KUBRA.

Differentiation

KUBRA offers a comprehensive suite of customer experience management solutions for utilities.

KUBRA's solutions reach over 40% of households in the U.S. and Canada.

KUBRA partners with major platforms like Apple Pay and Google Pay for flexible payments.

Upsides

KUBRA's advanced analytics enhance data insights for utility companies.

Strategic partnerships with VertexOne and NorthStar expand KUBRA's market reach.

Growing demand for digital payments aligns with KUBRA's offerings.

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