Structured Finance Jobs

October 1, 2009Finance Jobsby EconomyWatch

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Structured finance is a specialized loan that is offered on the basis of sound cash flow history rather than using assets as collateral. The strength of the customer base of the borrowing company is also taken into account. The term structured finance may also be described as risk transfer performed with the help of complicated corporate and legal entities. This is because investors run the risk of offering structured finance loans to small businesses at lower interest rates than those offered by banks. For small businesses, with little material assets, structured finance is the best way to raise funds and expand the business.

 

Structured finance jobs are available in various categories, as this sector covers several specializations. Some special areas in structured finance are real estate finance, loan syndications, global credit, acquisition finance, leveraged finance and media-telecom finance.

Structured Finance Jobs: Career Options

One can apply for structured finance jobs in export finance, commodity finance, project finance, energy & commodities structured debt and transportation finance. The post requires an MBA degree in finance or economics. Here are some main career options in structured finance:

Structured Finance Analyst/Associate: This designation entails sound technical prowess in financial modeling and analysis as well as excellent writing skills. An analyst performs financial analysis and encapsulates the data in spreadsheets. S/he supports credit proposal write-ups, develops pitch documents and prepares internal memos. S/he may also create cash-flow models and loan summaries. As a structured finance analyst, you will also be responsible for carrying out extensive economic research and conducting market studies. This also involves monitoring and managing loan portfolios. The knowledge of pricing, risk and structuring, and Access database will be an added advantage.

Rating Analyst: The core function of a rating analyst is to study financial and technical data used in debt rating activities and create reports based on the analyses. A rating analyst may also develop material for publication and visit clients. The knowledge of debt rating methodology is crucial for a rating analyst.

Data Manager: A data manager performs the following functions:

·         Monitors the performance of resources by defining parameters for quality control. This increases the accuracy of data and helps in identifying the contribution of various factors through the use of metrics.

·         Understanding the changing needs of the business and redefining rules accordingly. This supports analysts in responding quickly to market conditions.

·         Refine the process to attend ad-hoc requests and provide solutions on time through better coordination in terms of data management.

·         Improve tracking systems and smoothen operations so that efforts can be directed towards the analysis of trends.