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- Tasks: Support CMBS rating processes and conduct market research for European transactions.
- Company: Morningstar is a global leader in investment insights, managing over $300 billion in assets.
- Benefits: Enjoy a hybrid work environment, flexible benefits, and opportunities for professional growth.
- Why this job: Join a dynamic team shaping the future of investing with innovative solutions and a tech-forward approach.
- Qualifications: A financial degree or relevant experience in commercial real estate is preferred; analytical skills are essential.
- Other info: Occasional travel across Europe is required; knowledge of programming languages is a plus.
The predicted salary is between 43200 - 72000 £ per year.
About Morningstar: Morningstar is a leading global provider of independent investment insights, serving both individual and institutional investors across public and private markets. Our offerings include a wide range of data, research, and investment management services, with $300+ billion in assets under management. Operating in 32 countries, Morningstar supports financial advisors, asset managers, retirement plan providers, and more with comprehensive investment solutions.
The Role: This role sits within our Morningstar DBRS Europe organization, looking for a Senior Financial Analyst level to be based in London. In this role, you will be involved in rating new (and monitoring the rating of existing) European CMBS transactions rated by Morningstar DBRS. You may occasionally be involved in the rating process of other European structured finance asset classes. In addition, you will assist in the update of the European CMBS rating methodology, as well as be involved in market research projects.
What You'll Do:
- Provide support in the CMBS rating process for European transactions; predominantly in underwriting commercial real estate loans in accordance with Morningstar DBRS's European CMBS rating methodology;
- Provide credit analysis and use quantitative tools to assess the credit worthiness of single-loan and multi-loan European CMBS;
- Determine and monitor Morningstar DBRS net cash flow assumption for all major property types (office, retail, logistics, multifamily, hotel, data center) and a variety of loan sizes (EUR10 million to >EUR500 million) based on property performance, market dynamics and loan structure;
- Accompany senior analysts and ultimately represent Morningstar DBRS at site inspections of all major property types throughout Europe;
- Help produce detailed committee memos as well as assist drafting published presale and rating reports distributed to investors containing the culmination of research and analysis;
- Present loan level analysis, transaction structural summaries and quantitative results to credit committee;
- Conduct market research and financial analysis for senior analysts, rating committees, research, investor meetings and conferences;
- Assist senior members of the team to develop reports for investors and for presentations to be delivered at conferences;
- Respond to client and colleague inquiries regarding methodologies, analysis and research.
Who You Are:
- Basic understanding of European CMBS transactions;
- Demonstrated analytical abilities, with a high attention to detail and producing high quality work;
- Curiosity to develop new applications and to perform complex analyses, and ability to learn new analytical approaches proactively;
- A financial education such as relevant Degree, Master, CFA or accounting designation (enrolment or completion) and experience in securitisation are considered definite assets;
- Previous work-experience in the financial services industry (especially in the commercial real estate sector) is a plus;
- Knowledge of analytical programming languages (VBA, Python, etc.) and/or knowledge of another European language (Spanish, French, Dutch, German etc.) is a plus;
- This position requires occasional European travel.
Ready to Shape the Future? At Morningstar, every hire we make strengthens our mission to empower investor success. Apply now and help shape the future of investing with us.
Senior Financial Analyst - CMBS Credit Ratings employer: Morningstar, Inc.
Contact Detail:
Morningstar, Inc. Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Financial Analyst - CMBS Credit Ratings
✨Tip Number 1
Familiarise yourself with European CMBS transactions and the specific methodologies used by Morningstar DBRS. Understanding their approach will not only help you in interviews but also demonstrate your genuine interest in the role.
✨Tip Number 2
Network with professionals in the financial services industry, especially those involved in commercial real estate. Attend relevant conferences or webinars to connect with potential colleagues and gain insights into the latest trends in CMBS.
✨Tip Number 3
Brush up on your analytical programming skills, particularly in languages like VBA or Python. Being able to showcase your technical abilities during discussions can set you apart from other candidates.
✨Tip Number 4
Prepare to discuss your previous experiences in financial analysis and how they relate to the responsibilities of this role. Be ready to provide examples of complex analyses you've performed and how they contributed to decision-making processes.
We think you need these skills to ace Senior Financial Analyst - CMBS Credit Ratings
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in financial analysis, particularly in CMBS transactions and commercial real estate. Use specific examples that demonstrate your analytical abilities and attention to detail.
Craft a Compelling Cover Letter: In your cover letter, express your enthusiasm for the role and the company. Mention your understanding of European CMBS transactions and how your background aligns with the responsibilities outlined in the job description.
Showcase Analytical Skills: Provide examples of past projects or experiences where you used quantitative tools for credit analysis. Highlight any familiarity with programming languages like VBA or Python, as well as your ability to learn new analytical approaches.
Research Morningstar DBRS: Familiarise yourself with Morningstar DBRS's mission and values. Understanding their approach to credit ratings and investment insights will help you articulate why you want to work there and how you can contribute to their goals.
How to prepare for a job interview at Morningstar, Inc.
✨Understand CMBS Fundamentals
Make sure you have a solid grasp of European CMBS transactions and the rating process. Brush up on key concepts and methodologies used by Morningstar DBRS, as this will demonstrate your preparedness and genuine interest in the role.
✨Showcase Analytical Skills
Prepare to discuss your analytical abilities and attention to detail. Be ready to provide examples of complex analyses you've performed in the past, especially those related to financial services or commercial real estate.
✨Familiarise with Programming Languages
If you have experience with analytical programming languages like VBA or Python, be sure to highlight this during the interview. If not, express your willingness to learn and adapt, as this is a valuable skill for the role.
✨Prepare for Market Research Discussions
Since the role involves conducting market research, think about recent trends in the European CMBS market. Be prepared to discuss how these trends could impact credit ratings and what insights you can bring to the team.
