Residential Mortgage Finance Associate

Residential Mortgage Finance – Associate

The Residential Mortgage Finance group sits within the Fixed Income Division and is focused on deploying the bank’s capital to provide senior financing solutions to institutional clients backed by U.S. residential mortgage collateral. Clients include mortgage originators, aggregators, servicers, and institutional investors.

Job Summary

• Support the origination, execution, and ongoing operations of financing facilities secured by mortgages and/or U.S. residential real estate
• Serve as a critical member of the deal team working to execute new RMBS and Agency securitizations (including Agency CMBS where applicable)
• Assist in the pricing, valuation, and performance analysis of collateral securing financing facilities
• Partner with senior bankers to provide excellent service to existing and prospective clients

Key Responsibilities

• Support the team in originating new business by creating, developing, and presenting funding ideas across residential mortgage collateral types; draft initial versions of client presentations, pitch books, and market updates
• Drive the execution of securitization transactions across third parties (issuers, lawyers, rating agencies, accountants, trustees, paying agents, etc.) and internal stakeholders (credit, legal, risk, ops, treasury)
• Review offering documents and transaction agreements; prepare sales memos, credit write-ups, and internal approval materials; coordinate transaction settlement and closing deliverables
• Perform collateral due diligence and loan-level analysis (stratifications, exceptions, reps & warranties review, data tapes, servicer reports); support ongoing collateral reporting requirements
• Assist with collateral pricing/valuation and scenario analysis (prepayment, defaults, severity) using market levels, comparable deals, and analytics tools (e.g., Intex)
• Respond to client data requests and ad-hoc analyses; develop product/market expertise and contribute to day-to-day client coverage
• Maintain internal databases of market data and transaction details (spreads/yields, deal pricing, trading levels, league tables, issuance volumes); improve data quality and documentation standards
• Help automate processes where possible (reporting, data ingestion, templated analyses, dashboarding); partner with technology/data teams as needed
• Proactively identify operational risks, control deficiencies, and process gaps; escalate issues to management and relevant risk/control functions on a timely basis
• Review and comply with firm policies and procedures applicable to business activities

Qualifications

• 2+ years of exposure to fixed income / debt capital markets; experience at an RMBS issuer, rating agency, investor, underwriter, or accounting/consulting firm focusing on RMBS preferred
• BS/BA in business, finance, accounting, economics, data analytics, or similar technical field (MBA a plus)
• Highly proficient in Microsoft Office (Excel and PowerPoint required); strong attention to detail and comfort working with large datasets
• Ability to handle multiple responsibilities under tight timelines in a high-pressure environment; strong organizational and project management skills
• Self-starter with excellent work ethic who will take ownership of responsibilities; willingness to work in a lean, tight-knit team and do what needs to be done to achieve objectives
• Strong verbal and written communication skills; able to translate analysis into clear, client-ready outputs
• Experience with Intex (Calc/Dealmaker) and/or CAS a strong plus
• Coding and automation experience a strong plus (e.g., Python, VBA, SQL, R) — including the ability to automate recurring analyses, build repeatable workflows, and improve reporting efficiency
• Experience creating, analyzing, and maintaining databases a strong plus (e.g., SQL-based data stores, Excel/Access-based repositories, data pipelines, data quality controls, documentation)
• Demonstrated interest in operational risk/control mindset and process improvement
• Ability and willingness to travel approximately quarterly

The expected base salary ranges from $110,000- $130,000. Salary offers are based on a wide range of factors including relevant skills, training, experience, education, and, where applicable, certifications and licenses obtained. Market and organizational factors are also considered. In addition to salary and a generous employee benefits package, successful candidates are eligible to receive a discretionary bonus.

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Other requirements

Mizuho has in place a hybrid working program, with varying opportunities for remote work depending on the nature of the role, needs of your department, as well as local laws and regulatory obligations. Roles in some of our departments have greater in-office requirements that will be communicated to you as part of the recruitment process.

Company Overview

Mizuho Financial Group, Inc. is the 15th largest bank in the world as measured by total assets of ~$2 trillion. Mizuho's 60,000 employees worldwide offer comprehensive financial services to clients in 35 countries and 800 offices throughout the Americas, EMEA and Asia. Mizuho Americas is a leading provider of corporate and investment banking services to clients in the US, Canada, and Latin America. Through its acquisition of Greenhill​, Mizuho provides M&A, restructuring and private capital advisory capabilities across Americas, Europe and Asia. Mizuho Americas employs approximately 3,500 professionals, and its capabilities span corporate and investment banking, capital markets, equity and fixed income sales & trading, derivatives, FX, custody and research. Visit www.mizuhoamericas.com.​​

Mizuho Americas offers a competitive total rewards package.

We are an EEO/AA Employer - M/F/Disability/Veteran.

We participate in the E-Verify program.

We maintain a drug-free workplace and reserve the right to require pre- and post-hire drug testing as permitted by applicable law.