11 structurer skills for your resume and career
1. Derivative
A derivative is a financial contract that derives its value from an underlying asset. Structurers use derivatives in a variety of ways, such as promoting and selling complex investment products to individual clients, managing holdings for various business entities and hedging programs, and developing processes to manually calculate returns for derivative accounts and hedged strategies. They also use derivatives to implement specific programs and tactical actions, as well as to identify and introduce clients to individualized derivative strategies.
Here's how structurers use derivative:
- Worked closely with marketing department to promote and sell complex investment products to individual clients, including derivatives and fixed-income products.
- Prepared quantitative analyses for senior management concerning portfolio strategies, tactical actions, and specific programs, including use of derivatives.
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2. Origination
Origination is the process of creating or initiating something new. Structurers use origination in their job by participating in the development of new equity structured products, informing the origination team of companies exhibiting strong growth potential, and executing senior debt transactions. For example, a structurer might assist the Structured Equity Products Desk in the origination, offering, unwinding, and transfer of numerous equity structured products.
Here's how structurers use origination:
- Assisted the Structured Equity Products Desk in the origination, offering, unwinding, and transfer of numerous equity structured products.
- Participated in the origination and execution of senior debt ranging from $25M to $100M transactions for institutional sponsors.
3. Fixed Income
Fixed income refers to financial assets that generate a steady income stream, such as bonds. Structurers use fixed income by creating dashboards and conducting research to spot investment opportunities, processing transactions and performing account reconciliations, and providing buy and sell recommendations. They also standardize investment processes for disparately-managed fixed income portfolios and overhaul investment processes.
Here's how structurers use fixed income:
- Create Tableau dashboards to help Wellington fixed income portfolio managers and traders spot attractive investment opportunities across Structured Products.
- Processed fixed income transactions and performed account reconciliations while compiling daily reports for general ledger and cashbook posting.
4. Approval Process
The approval process is a series of steps used to evaluate and validate a proposal or request. Structurers use the approval process to review and drive internal product reviews. They also manage the analysis and approval of worldwide special bid RV transaction requests.
Here's how structurers use approval process:
- Initiate and drive internal product review and approval process.
- Managed the analysis and approval process of worldwide special bid RV transaction requests.
5. Financial Institutions
Financial institutions are organizations that provide financial services to individuals and businesses. Structurers use financial institutions to complete credit trading, manage clients, and structure debt transactions to fund acquisitions and recapitalizations. For example, they might rotate through a credit trading department, covering financial institutions and prime finance, or help manage clients at major foreign and domestic financial institutions.
Here's how structurers use financial institutions:
- Rotated through IG Credit Trading covering Financial Institutions, and Prime Finance: Cash & Collateral Management.
- Completed a project on the GCC credit market, with a focus on financial institutions.
6. Asset Classes
Asset classes are groups of securities that have similar characteristics and behaviors. Structurers use asset classes in various ways, such as conducting research and analysis of investment strategies, evaluating performance and allocation across different asset classes, and determining how market conditions may impact specific strategies. They also use asset classes to create appropriate portfolio allocation models that suit clients' risk profiles. For example, a structurer may increase the size of an asset class like money market funds within a portfolio to achieve higher yields.
Here's how structurers use asset classes:
- Conduct top-down macro-economic research, investment manager due diligence, and product research/analysis for all traditional asset classes.
- Developed detailed models used in the evaluation of investment strategies and analyzed asset classes.
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7. Interest Rates
Interest rates are the amount borrowers pay to borrow money, and lenders receive for lending money. Structurers use interest rates to calculate collateral for interest rate hedge positions, enhance stochastic interest rate models, and build pricing tools for computing capital charges. They also manage daily market rate processes, build interest rate and volatility term structures, and work with interest rate options and swap brokers.
Here's how structurers use interest rates:
- Calculated monthly collateral for the interest rate hedge positions, under FAS 133, for 10Q and 10K reports.
- Worked on enhancement of 2-factor HJM stochastic interest rate model by using 3-bond lattice.
8. Financial Models
A financial model is a tool used for forecasting a business's financial performance. Structurers use financial models to determine income and cash flows associated with investments. They update these models for fluctuations in natural gas prices and recoverable reserves. They also use these models to analyze products with complex refund systems and generate a price recommendation for a desired profit margin.
Here's how structurers use financial models:
- Created, enhanced and maintained financial models in Excel.
- Utilized financial models and tools to determine income and cash flows associated with investment activity along with historical performance using Excel.
9. DCF
DCF, or discounted cash flow, is a method for evaluating the value of a company based on its future cash flows. Structurers use DCF to estimate the value of companies and make financial decisions. They create DCF models to evaluate corporate projections and compare the value of different companies using this method. They also use DCF to estimate the value of potential capital expenditure projects. For example, a structurer might create a DCF model to determine the value of a natural gas power plant project.
Here's how structurers use dcf:
- Performed stock fundamental analysis applying DCF valuation, multiples valuation and comparable valuation methods.
- Performed financial analysis to evaluated corporate projections using comparable analysis and DCF valuation.
10. Credit Risk
Credit risk refers to the potential loss that may arise when a borrower fails to repay a loan. Structurers use credit risk to evaluate and manage the risk associated with financial transactions. They analyze credit unions and organizations that pose credit risks, monitor credit risk within assigned portfolios, and design financial models to evaluate credit risk. They also focus on deal trends to manage credit risk by gathering information to anticipate potential problems.
Here's how structurers use credit risk:
- Initiated evaluations and conducted credit and counter-party analysis on credit unions and organizations that pose credit risks.
- Completed Citigroup's formal analyst credit risk training program including internal testing requirements.
11. Bloomberg
Bloomberg is a platform for financial data, news, and analytics. Structurers use Bloomberg to perform quantitative and statistical analysis of portfolio performance. They also use it to research corporate activities, budget for deadlines, and train team members in financial report analysis and performance analysis. For example, one structurer developed a report detailing market and economic indicators using the Bloomberg API.
Here's how structurers use bloomberg:
- Developed a report detailing market and economic indicators to supplement the bi-weekly presentation using Bloomberg API.
- Perform quantitative and statistical analysis of portfolio performance in Bloomberg via PORT and related functions.
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