Job Description

Job Overview:

The Investment Analyst – Deal Structuring (Mortgage Finance) will support the origination, analysis, structuring, and execution of debt and equity investments backed by real estate, with a specific focus on mortgage finance. The role involves evaluating residential and commercial mortgage-backed transactions, analyzing deal economics, and preparing investment memoranda for internal approval.

Key Responsibilities:

• Deal Evaluation & Structuring:
• Analyze and structure complex mortgage-backed transactions.
• Conduct financial modeling, scenario analysis, and risk assessment.
• Review and assess loan terms, collateral valuation, borrower creditworthiness, and legal documentation.
• Support the negotiation of deal terms, covenants, and security packages.
• Due Diligence:
• Perform due diligence on borrowers, properties, and markets.
• Collaborate with internal teams (legal, credit, compliance) and external advisors (valuation firms, legal counsel, technical consultants).
• Review third-party reports including appraisals, environmental assessments, and engineering reports.
• Financial Analysis & Modeling:
• Build and maintain dynamic cash flow models (loan amortization, IRR, DSCR, LTV, etc.).
• Stress-test assumptions and identify sensitivities in deal structures.
• Analyze securitization structures and prepayment risks.
• Investment Memoranda & Presentations:
• Prepare investment memos and presentations for investment committees.
• Present findings and recommendations clearly and concisely to senior stakeholders.
• Market & Sector Research:
• Conduct macroeconomic and sector-specific research (housing markets, interest rates, credit trends).
• Monitor regulatory developments impacting mortgage finance and real estate investments.
• Portfolio Monitoring:
• Assist with the ongoing monitoring of closed deals.
• Track performance against underwritten assumptions and covenant compliance.

Key Requirements:

Education:

• Bachelor’s degree in Finance, Economics, Real Estate, or related field.
• CFA/CAIA/MBA is a plus.

Experience:

• 3+ years of experience in structured finance, investment banking, mortgage finance, or real estate private equity with US and European based assets.
• Prior exposure to residential or commercial mortgage-backed securities (RMBS/CMBS), warehouse lines, or loan origination is highly desirable.

Skills:

• Strong financial modeling and analytical skills. (VBA, C#, SQL)
• Deep understanding of mortgage finance concepts (LTV, DSCR, prepayment risk, etc.).
• Excellent proficiency in Excel, PowerPoint, and financial databases (e.g., Bloomberg, Intex).
• Strong written and verbal communication skills.
• High attention to detail and ability to manage multiple transactions in a fast-paced environment.
• Team player with strong interpersonal skills and business acumen.

Preferred Qualifications:

• Knowledge of securitization structures and capital market instruments.
• Experience working on cross-border real estate transactions.
• Familiarity with regulatory frameworks such as Basel III, Dodd-Frank, or local housing finance laws.

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