Turns pools of loans, leases and receivables into asset-backed and mortgage-backed securities, structuring and selling them to investors. Heidrick & Struggles 2025 US Global Markets Compensation Survey puts typical pay at $1,100,000 a year (2024). BLS does not publish separate figures for securities, commodities, and financial services sales agents; it counts them within security, commodity, and financial services sales agent (SOC 41-3031), whose median pay is $78,660 a year (BLS OEWS, May 2025). Typical entry-level education: Bachelor's degree.
- SOC 41-3031
- Sales and Related
- Last updated October 9, 2026
At a glance
Structured Finance Banker in four numbers
- Median pay
- $78,660a year, or $37.82/hrBLS OEWS, May 2025Lowest 10% $48KTop 10% $213K
US median, all jobs: $50,980
- Projected growth
- +1.4%Slower than averageBLS EP, 2025–2035This career+1.4%All jobs+3.5%
Projected employment change, 2025–2035 Item Value This career +1.4% All jobs +3.5% - Openings a year
- 35,100531,000 jobs todayBLS EP, 2025–2035
- Jobs in 2025531K
- Projected 2035538.5K
Employment, 2025–2035 Item Value Jobs in 2025 531K Projected 2035 538.5K - Typical education
- Bachelor'sneeded to enterBLS EP, 2025–2035; mix: O*NET
- High school26.8%
- Certificate1.1%
- Some college5.8%
- Bachelor's55.3%
- Post-bacc certificate6%
- Master's3.8%
Highest education held by securities, commodities, and financial services sales agents Segment Value High school 26.8% Certificate 1.1% Some college 5.8% Bachelor's 55.3% Post-bacc certificate 6% Master's 3.8%
Also advertised as: Securitization Banker, Asset-Backed Securities Banker, Structured Products Banker, Securitized Products Origination Banker, Fund Finance Banker.
Pay
How much do Securities, Commodities, and Financial Services Sales Agents make?
Industry-reported pay
$1,100,000
Median total compensation, US primary-market professionals in securitized and structured products, fund finance and secondaries (mostly director and managing director level), self-reported.
- Entry level
- $750,000
- Top earners
- $1,270,000
Source: Heidrick & Struggles 2025 US Global Markets Compensation Survey, 2024 (published compensation survey). This is not a BLS figure: BLS counts securities, commodities, and financial services sales agents within security, commodity, and financial services sales agent, whose pay is shown below. Heidrick & Struggles: 2025 US Global Markets Compensation Survey · Heidrick & Struggles: 2025 US Global Markets Compensation Survey (summary)
Every structured finance banker in the US, by percentile of annual wage
Median
$78,660
Middle half earn $56,540 to $129,950
- 10th
- $48,040
- 25th
- $56,540
- 75th
- $129,950
- 90th
- $212,880
All US occupations: $50,980
| Percentile | Value |
|---|---|
| 10th | $48,040 |
| 25th | $56,540 |
| Median | $78,660 |
| 75th | $129,950 |
| 90th | $212,880 |
| All US occupations | $50,980 |
Source: BLS OEWS, May 2025
- Median annual wage
- $78,660
- Median hourly wage
- $37.82/hr
- Mean annual wage
- $109,150
- People employed
- 489,570
Versus all US occupations
At $78,660, Securities, Commodities, and Financial Services Sales Agents earn 54% above the $50,980 median across all US occupations, a difference of $27,680 a year.
Versus sales and related occupations
Inside the Sales and Related group, where the middle occupation pays $73,220, this is 7% above the group median.
Pay range
The top 10% earn $212,880 or more while the bottom 10% earn $48,040, a gap of 4.4×. That is an unusually wide spread, which usually tracks specialisation, employer type and years of experience.
Rank in the bank
This median pays more than 56% of the 1,741 occupations in the NueCareer career bank.
Highest-paying state
New York pays the most at $168,340, and still leads at $155,984 once local prices are taken into account.
Pay by state
Which states pay Securities, Commodities, and Financial Services Sales Agents the most?
State medians come from the same OEWS release as the national figures. The cost-of-living column divides each state median by that state's BEA Regional Price Parity, restating pay in national-average dollars so a high-cost state and a low-cost one can be compared directly.
| State | Median | COL-adjusted | Employed |
|---|---|---|---|
| 1New York | $168,340 | $155,984 | 55,630 |
| 2Massachusetts | $100,310 | $94,850 | 14,510 |
| 3Illinois | $99,840 | $99,882 | 27,920 |
| 4Connecticut | $98,560 | $95,126 | 5,730 |
| 5Vermont | $88,280 | $90,120 | 240 |
| 6South Dakota | $86,780 | $97,961 | 730 |
| 7Delaware | $83,750 | $83,911 | 2,300 |
| 8Minnesota | $83,350 | $84,515 | 8,820 |
| 9Nebraska | $82,560 | $91,628 | 2,150 |
| 10New Jersey | $82,420 | $75,750 | 15,230 |
Job outlook
Is Structured Finance Banker a growing career?
Employment change over 2025–2035, against every US occupation
Slower than average. +1.4% projected growth vs 3.5% for all occupations.
| Item | Value |
|---|---|
| Securities, Commodities, and Financial Services Sales Agents | +1.4% |
| All US occupations | +3.5% |
Source: BLS EP, 2025–2035
Slower than average
BLS projects employment of Securities, Commodities, and Financial Services Sales Agents to change 1.4% over 2025–2035, against 3.5% projected for all occupations. That is 7,500 more jobs.
Annual openings
About 35,100 openings are projected each year, 6.6% of the 531,000 jobs that existed in 2025. Most come from workers leaving the occupation, not from growth alone.
Getting in
How to become a Structured Finance Banker
Most structured finance bankers start in a bank analyst program after a bachelor's degree in finance, economics, mathematics or engineering. Comfort with large data sets and cash flow modeling is important, so people with quantitative backgrounds do well. Some come from rating agencies, mortgage lenders or accounting firms' securitization practices.
Investment bankers who advise on securities transactions must register with FINRA, which usually means passing the Securities Industry Essentials exam and the Series 79 Investment Banking Representative exam after a firm sponsors you. The Structured Finance Association publishes market standards and runs industry education for this field.
- 1
Typical entry-level education
Bachelor's degree
- 2
Work experience in a related occupation
None
- 3
Typical on-the-job training
Moderate-term on-the-job training
- 4
Preparation needed (O*NET job zone)
Medium preparation
BLS Employment Projections, 2025–2035; job zone from O*NET 31.0 Database.
What education people in the job have
O*NET incumbent survey: the highest level of education reported by people already working as securities, commodities, and financial services sales agents.
- Bachelor's Degree55.3%
- High School Diploma or the equivalent (such as a GED)26.8%
- Post-Baccalaureate Certificate6%
- Some College Courses5.8%
- Master's Degree3.8%
| Item | Value |
|---|---|
| Bachelor's Degree | 55.3% |
| High School Diploma or the equivalent (such as a GED) | 26.8% |
| Post-Baccalaureate Certificate | 6% |
| Some College Courses | 5.8% |
| Master's Degree | 3.8% |
Source: O*NET 31.0 Database
The work
What does a Structured Finance Banker do?
Structured finance bankers raise money for lenders and companies by packaging assets such as auto loans, credit card receivables, mortgages, equipment leases or corporate loans into securities. They analyze how the underlying loans have performed, model how cash will flow through different slices of the deal under stress, and design structures that rating agencies and investors will accept.
They work with issuers, rating agencies, lawyers and the bank's syndicate desk to bring each deal to market. Many structured finance bankers also arrange warehouse lines that fund loans before securitization, or fund finance facilities lent against the commitments of private fund investors.
Day-to-day tasks
- Analyze historical performance data for loan and receivable pools
- Model cash flows across securitization tranches under stress cases
- Structure deals to meet rating agency criteria
- Coordinate legal documents and disclosure with issuers' counsel
- Arrange warehouse and fund finance credit facilities
- Market asset-backed and mortgage-backed securities with the syndicate desk
- Monitor outstanding deals for performance triggers
Typical tasks, researched by NueCareer from the sources below.
Working conditions and hours
Structured finance bankers work in bank offices on deal schedules that cluster around market windows. Hours are long during execution, with heavy coordination among lawyers, rating agencies and investors. The job is analytical and desk based.
Where the work happens
Indoors, climate-controlled
NeverEvery dayOutdoors in all weather
NeverEvery dayAlmost never works outdoors.
Physical demands
Sitting
NeverAlmost all the timeSeated for more than half the working day.
Standing
NeverAlmost all the timeBending or twisting
NeverAlmost all the time
Working with people
Contact with other people
NoneConstantConstant contact with other people.
Face-to-face discussions
NeverEvery dayFace-to-face discussions every day.
Dealing with the public
Not importantExtremely importantDealing with customers or the public is very important.
Pressure and stakes
Strict deadlines
NeverEvery dayConflict situations
NeverEvery dayCost of a mistake
Not seriousExtremely serious
Autonomy
Freedom to decide
NoneA lotA lot of freedom to make decisions without checking first.
Conditions: O*NET Work Context survey. Each item has its own scale, so each dot is read against the two answers that end its own line.
Core skills
O*NET importance, 1 to 5
- Active Listening3.8
- Critical Thinking3.8
- Monitoring3.6
- Reading Comprehension3.5
- Speaking3.5
- Active Learning3.5
- Writing3.4
- Mathematics3.1
| Item | Value |
|---|---|
| Active Listening | 3.8 |
| Critical Thinking | 3.8 |
| Monitoring | 3.6 |
| Reading Comprehension | 3.5 |
| Speaking | 3.5 |
| Active Learning | 3.5 |
| Writing | 3.4 |
| Mathematics | 3.1 |
Source: O*NET 31.0 Database
Transferable skills
O*NET importance, 1 to 5
- Judgment and Decision Making3.6
- Persuasion3.5
- Social Perceptiveness3.4
- Complex Problem Solving3.4
- Service Orientation3.3
- Systems Analysis3.3
- Systems Evaluation3.1
- Time Management3.1
| Item | Value |
|---|---|
| Judgment and Decision Making | 3.6 |
| Persuasion | 3.5 |
| Social Perceptiveness | 3.4 |
| Complex Problem Solving | 3.4 |
| Service Orientation | 3.3 |
| Systems Analysis | 3.3 |
| Systems Evaluation | 3.1 |
| Time Management | 3.1 |
Source: O*NET 31.0 Database
Tools and software
- Analytical or scientific software · in demand
- Customer relationship management CRM software · in demand
- Data base user interface and query software · in demand
- Development environment software · in demand
- Document management software · in demand
- Electronic mail software · in demand
- Enterprise resource planning ERP software · in demand
- Object or component oriented development software · in demand
- Office suite software · in demand
- Operating system software · in demand
- Presentation software · in demand
- Spreadsheet software · in demand
“In demand” marks an O*NET Employer-Based Hot Technology, software named in real job postings for this occupation.
Personality fit
What personality type suits a Structured Finance Banker?
NueCareer estimate (Holland code ECI) built on O*NET's Security, Commodity, and Financial Services Sales Agent profile, scored 1 to 7
| Axis | Structured Finance Banker |
|---|---|
| Realistic | 1 |
| Investigative | 3 |
| Artistic | 1 |
| Social | 3 |
| Enterprising | 6 |
| Conventional | 5 |
Source: O*NET 31.0 Database
What the work is built around
Day to day this is work built around leading, persuading, selling and making decisions, combined with organising, following procedures and working precisely with data.
- Enterprising6.1
- Conventional5.3
- Investigative3.2
- Social3.1
- Artistic1.3
- Realistic1.3
Closest MBTI types
NueCareer fit scores: cosine similarity between each MBTI type's interest vector and this occupation's O*NET interest profile. Not a BLS or O*NET figure; the method is documented on our methodology page.
Explore further
Careers related to Structured Finance Banker
O*NET related occupations
- Sales and Related
Security, Commodity, and Financial Services Sales Agent
$78,660median a year
Most earn $48K to $213K
+1.4%Bachelor's - Business and Financial Operations
- Business and Financial Operations
- Management
- Office and Administrative Support
- Business and Financial Operations
More sales and related careers
Median annual pay, with securities, commodities, and financial services sales agents highlighted
- Sales Engineer$124,900
- Sales Representative, Wholesale and Manufacturing, Technical and Scientific Product$104,920
- Structured Finance Banker$78,660
- Real Estate Broker$73,220
- Sales Representative, Wholesale and Manufacturing, Except Technical and Scientific Products$72,080
- Insurance Sales Agent$62,280
- Real Estate Agent$52,830
- Travel Agent$50,160
- Cashier$32,880
| Item | Value |
|---|---|
| Sales Engineer | $124,900 |
| Sales Representative, Wholesale and Manufacturing, Technical and Scientific Product | $104,920 |
| Structured Finance Banker | $78,660 |
| Real Estate Broker | $73,220 |
| Sales Representative, Wholesale and Manufacturing, Except Technical and Scientific Products | $72,080 |
| Insurance Sales Agent | $62,280 |
| Real Estate Agent | $52,830 |
| Travel Agent | $50,160 |
| Cashier | $32,880 |
Source: BLS OEWS, May 2025
Lists Structured Finance Banker appears on
Questions
Structured Finance Banker: frequently asked questions
How much do Securities, Commodities, and Financial Services Sales Agents make?
Heidrick & Struggles 2025 US Global Markets Compensation Survey reports $1,100,000 (median total compensation, US primary-market professionals in securitized and structured products, fund finance and secondaries (mostly director and managing director level), self-reported, 2024), with top earners around $1,270,000. BLS does not publish a separate wage for securities, commodities, and financial services sales agents. It counts them within security, commodity, and financial services sales agent, whose median pay is $78,660 a year (BLS OEWS, May 2025). The middle half of that occupation earn between $56,540 and $129,950, and the top 10% earn $212,880 or more.
Do you need a degree to become a Structured Finance Banker?
Yes. BLS reports a bachelor's degree as the typical entry-level education for Securities, Commodities, and Financial Services Sales Agents, and O*NET rates the preparation needed as medium preparation. BLS also lists moderate-term on-the-job training as typical on-the-job training. In O*NET's survey of people already doing the job, 55.3% hold bachelor's degree.
Is Structured Finance Banker a growing career?
It is growing, but slowly: 1.4% over 2025–2035 against 3.5% for all occupations (BLS EP, 2025–2035). BLS still projects about 35,100 openings a year, mostly from workers retiring or moving to other work.
What does a Structured Finance Banker do?
Structured finance bankers raise money for lenders and companies by packaging assets such as auto loans, credit card receivables, mortgages, equipment leases or corporate loans into securities. A typical task: analyze historical performance data for loan and receivable pools. Employers most often ask for Analytical or scientific software, Customer relationship management CRM software, Data base user interface and query software.
Which states pay Securities, Commodities, and Financial Services Sales Agents the most?
The highest state medians for Securities, Commodities, and Financial Services Sales Agents are New York ($168,340), Massachusetts ($100,310), Illinois ($99,840) (BLS OEWS, May 2025).
What personality type suits a Structured Finance Banker?
O*NET scores Securities, Commodities, and Financial Services Sales Agents highest on the Enterprising, Conventional and Investigative interest areas, so the work mixes leading, persuading, selling and making decisions with organising, following procedures and working precisely with data. On NueCareer's MBTI-to-interest mapping that lines up most closely with ESTJ personalities. Personality is a fit signal, not a gate. The free NueCareer quiz scores your own profile against all 1,731 careers in the bank.