Structured Finance Associate

**Job Title:** FICC Structured Product Associate
**Location:** [City, State]
**Department:** Structured Finance / Capital Markets
**Reports To:** Vice President / Director of Structured Finance

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**Position Overview**
The FICC Structured Product Associate is a critical role within the Structured Finance team, responsible for designing, analyzing, and executing complex financial transactions. This position involves close collaboration with clients, internal stakeholders, and external partners to develop tailored solutions such as asset-backed securities (ABS), collateralized loan obligations (CLOs), and other structured products. The associate will play an instrumental part in driving innovation, managing risk, and ensuring compliance across all stages of transaction execution.

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**Key Responsibilities**

1. **Transaction Structuring & Analysis**
- Develop sophisticated financial models to assess cash flow waterfalls, risk scenarios, and investor returns.
- Conduct thorough due diligence on underlying assets, including loans, leases, and receivables.
- Evaluate credit, market, and operational risks using advanced quantitative tools.

2. **Due Diligence & Documentation**
- Work closely with legal, tax, and accounting teams to ensure adherence to regulatory requirements (e.g., Dodd-Frank, Basel III).
- Draft term sheets, offering memoranda, and investor presentations.
- Review and analyze legal documentation, including indentures and servicer agreements.


- Present analytical insights and findings to clients and investors in a clear and concise manner.
- Address client inquiries regarding transaction mechanics and associated risks.

4. **Market Research & Innovation**
- Monitor industry trends, regulatory developments, and rating agency criteria to identify emerging opportunities.
- Explore potential growth areas in sectors such as real estate, automotive, and renewable energy.

5. **Risk Management & Reporting**
- Assess portfolio performance and propose strategies to mitigate credit/default risks.
- Prepare comprehensive internal reports on transaction outcomes and market conditions.

6. **Cross-Functional Collaboration**
- Partner with origination, syndication, and risk management teams to optimize deal execution.
- Assist senior team members in developing pitches for new business opportunities.

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**Qualifications**

**Education:**
- Bachelor’s degree in Finance, Economics, Mathematics, or a related field.
- An MBA, CFA, or FRM certification is highly desirable.

**Experience:**
- 2–5 years of experience in structured finance, investment banking, or related fields (ABS, CLOs, MBS).
- Demonstrated expertise in financial modeling and transaction execution.

**Technical Skills:**
- Proficiency in Advanced Excel/VBA; knowledge of Python/SQL is advantageous.
- Experience with platforms such as Bloomberg, Intex, or similar tools.
- Familiarity with rating agency methodologies (e.g., Moody’s, S&P).

**Soft Skills:**
- Excellent written and verbal communication skills.
- Strong teamwork and interpersonal abilities.
- Capacity to manage multiple projects simultaneously under tight deadlines.
- Detail-oriented with strong problem-solving capabilities.

**Certifications:**
- CFA, FRM, or progress toward these certifications is preferred.

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**Benefits**
- Competitive base salary supplemented by performance-based bonuses.
- Comprehensive health, dental, and retirement benefits.
- Opportunities for professional development and career advancement.

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Candidates interested in this position are invited to submit their resume and cover letter to [email] by [deadline]. [Company Name] is committed to fostering a diverse and inclusive work environment and is an equal opportunity employer.