---
title: "Structured Finance Banker"
description: "Turns pools of loans, leases and receivables into asset-backed and mortgage-backed securities, structuring and selling them to investors."
canonical: "https://nuecareer.com/careers/structured-finance-banker"
last-updated: "2026-10-09T10:57:55.138Z"
---

# Structured Finance Banker

**Category:** Sales and Related · **SOC code:** 41-3031 · **O\*NET-SOC code:** 41-3031.00

Turns pools of loans, leases and receivables into asset-backed and mortgage-backed securities, structuring and selling them to investors.

Also advertised as: Securitization Banker; Asset-Backed Securities Banker; Structured Products Banker; Securitized Products Origination Banker; Fund Finance Banker.

## At a glance

- **Median annual wage:** $78,660 (BLS OEWS, May 2025)
- **Median hourly wage:** $37.82/hr
- **Wage range (10th–90th percentile):** $48,040 to $212,880, with the middle half between $56,540 and $129,950
- **Total US employment:** 489,570
- **Typical entry education:** Bachelor's
- **Preparation required:** Medium preparation — O\*NET rates this "Job Zone Four: Considerable Preparation Needed"
- **Projected growth:** +1.4% over 2025–2035 (BLS EP, 2025–2035)
- **Annual job openings:** 35,100 openings a year
- **AI-resilience score:** 19/100 — a NueCareer heuristic over O\*NET work activities and context, not a BLS or O\*NET figure

## Pay

National wage distribution, BLS OEWS, May 2025, across 489,570 US jobs.

| Percentile | Annual wage |
| --- | --- |
| 10th | $48,040 |
| 25th | $56,540 |
| 50th (median) | $78,660 |
| 75th | $129,950 |
| 90th | $212,880 |
| Mean (average) | $109,150 |

### Pay by state

The 15 highest-paying states, by median annual wage. The cost-of-living-adjusted column divides the state median by that state's BEA Regional Price Parity, so the columns answer different questions: the first is what the job pays there, the second is what that pay buys there.

| State | Median annual wage | Cost-of-living adjusted | Employment |
| --- | --- | --- | --- |
| NY | $168,340 | $155,984 | 55,630 |
| MA | $100,310 | $94,850 | 14,510 |
| IL | $99,840 | $99,882 | 27,920 |
| CT | $98,560 | $95,126 | 5,730 |
| VT | $88,280 | $90,120 | 240 |
| SD | $86,780 | $97,961 | 730 |
| DE | $83,750 | $83,911 | 2,300 |
| MN | $83,350 | $84,515 | 8,820 |
| NE | $82,560 | $91,628 | 2,150 |
| NJ | $82,420 | $75,750 | 15,230 |
| CA | $79,730 | $72,010 | 55,860 |
| NH | $78,930 | $75,774 | 1,530 |
| MO | $78,500 | $86,438 | 8,770 |
| TX | $78,470 | $80,849 | 41,640 |
| OR | $76,710 | $74,216 | 2,900 |

35 more states with published wage data are omitted here. The full table for all 50 states is at https://nuecareer.com/careers/structured-finance-banker/salary-by-state, or as JSON at https://nuecareer.com/api/v1/careers/structured-finance-banker.

## Outlook

BLS projects employment to move from 531,000 in the 2025–2035 base year to 538,500 by the end of the cycle — a gain of 7,500 jobs, or +1.4%. Slower than average: 1.4% against 3.5% projected for all occupations over the same cycle. About 35,100 openings a year are expected on average, counting openings from growth as well as from workers leaving the occupation permanently. Source: BLS EP, 2025–2035.

## How to get in

- **Typical entry education:** Bachelor's degree (BLS Employment Projections).
- **Preparation level:** Medium preparation — O\*NET's preparation band for this occupation is "Job Zone Four: Considerable Preparation Needed".
- **Related work experience typically required:** None.
- **Typical on-the-job training:** Moderate-term on-the-job training.

### Education people in this job actually hold

O\*NET surveys incumbents, so this distribution describes who is in the job today and can differ from the BLS entry requirement above.

| Education level | Share of workers |
| --- | --- |
| Bachelor's Degree | 55.3% |
| High School Diploma or the equivalent (such as a GED) | 26.8% |
| Post-Baccalaureate Certificate | 6.0% |
| Some College Courses | 5.8% |
| Master's Degree | 3.8% |
| Post-Secondary Certificate | 1.1% |

## What the work involves

- 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

## Skills and knowledge

### Essential skills

- Active Listening — importance 3.8 on the O\*NET 1–5 importance scale
- Critical Thinking — importance 3.8 on the O\*NET 1–5 importance scale
- Monitoring — importance 3.6 on the O\*NET 1–5 importance scale
- Reading Comprehension — importance 3.5 on the O\*NET 1–5 importance scale
- Speaking — importance 3.5 on the O\*NET 1–5 importance scale
- Active Learning — importance 3.5 on the O\*NET 1–5 importance scale
- Writing — importance 3.4 on the O\*NET 1–5 importance scale
- Mathematics — importance 3.1 on the O\*NET 1–5 importance scale

### Transferable skills

These are the skills that carry into other occupations, and they drive the related-occupation and career-change rankings on this site.

- Judgment and Decision Making — importance 3.6 on the O\*NET 1–5 importance scale
- Persuasion — importance 3.5 on the O\*NET 1–5 importance scale
- Social Perceptiveness — importance 3.4 on the O\*NET 1–5 importance scale
- Complex Problem Solving — importance 3.4 on the O\*NET 1–5 importance scale
- Service Orientation — importance 3.3 on the O\*NET 1–5 importance scale
- Systems Analysis — importance 3.3 on the O\*NET 1–5 importance scale
- Systems Evaluation — importance 3.1 on the O\*NET 1–5 importance scale
- Time Management — importance 3.1 on the O\*NET 1–5 importance scale

### Knowledge areas

- Customer and Personal Service — importance 4.3 on the O\*NET 1–5 importance scale
- Economics and Accounting — importance 3.9 on the O\*NET 1–5 importance scale
- English Language — importance 3.8 on the O\*NET 1–5 importance scale
- Mathematics — importance 3.7 on the O\*NET 1–5 importance scale
- Sales and Marketing — importance 3.7 on the O\*NET 1–5 importance scale
- Computers and Electronics — importance 3.5 on the O\*NET 1–5 importance scale

### Abilities

- Oral Comprehension — importance 4.1 on the O\*NET 1–5 importance scale
- Oral Expression — importance 3.9 on the O\*NET 1–5 importance scale
- Deductive Reasoning — importance 3.8 on the O\*NET 1–5 importance scale
- Written Comprehension — importance 3.6 on the O\*NET 1–5 importance scale
- Speech Clarity — importance 3.6 on the O\*NET 1–5 importance scale
- Written Expression — importance 3.5 on the O\*NET 1–5 importance scale

## Who it suits

O\*NET rates every occupation on the six Holland (RIASEC) interest areas, on a 1–7 scale. This occupation's strongest areas are Enterprising (E), Conventional (C), Investigative (I).

| Interest area | Score (1–7) |
| --- | --- |
| E — Enterprising | 6.08 |
| C — Conventional | 5.33 |
| I — Investigative | 3.24 |
| S — Social | 3.07 |
| A — Artistic | 1.29 |
| R — Realistic | 1.26 |

### Personality fit

These scores are **derived by NueCareer**, not published by any government agency: they are cosine similarities between a personality type's trait profile and this occupation's O\*NET interest and work-style ratings, expressed 0–100. Treat them as a starting point for exploration, not as evidence that a type belongs in a job.

| Type | Fit score (0–100) |
| --- | --- |
| ESTJ | 77.1 |
| ESFJ | 71.2 |
| ENTJ | 69.7 |
| ENFJ | 61.2 |
| ISTJ | 58.3 |

Best-fitting types: ESTJ.

## Related occupations

O\*NET's primary related occupations, in its own ranked order.

- [Security, Commodity, and Financial Services Sales Agent](https://nuecareer.com/careers/security-commodity-and-financial-services-sales-agent) — median $78,660
- [Financial and Investment Analyst](https://nuecareer.com/careers/financial-and-investment-analyst) — median $102,740
- [Financial Advisor](https://nuecareer.com/careers/financial-advisor) — median $105,070
- [Investment Fund Manager](https://nuecareer.com/careers/investment-fund-manager) — median $166,570
- [Brokerage Clerk](https://nuecareer.com/careers/brokerage-clerk) — median $65,750
- [Financial Risk Specialist](https://nuecareer.com/careers/financial-risk-specialist) — median $117,330
- [Loan Officer](https://nuecareer.com/careers/loan-officer) — median $76,690
- [New Accounts Clerk](https://nuecareer.com/careers/new-accounts-clerk) — median $47,670
- [Wholesale and Retail Buyer, Except Farm Products](https://nuecareer.com/careers/wholesale-and-retail-buyer) — median $77,710
- [Credit Analyst](https://nuecareer.com/careers/credit-analyst) — median $83,510

## Sources

- **O\*NET** — O\*NET 31.0 Database, August 2026. https://www.onetcenter.org/database.html
- **BLS OEWS** — BLS Occupational Employment and Wage Statistics, May 2025. https://www.bls.gov/oes/
- **BLS EP** — BLS Employment Projections, Table 1.2, 2025–2035. https://www.bls.gov/emp/
- **BEA RPP** — BEA Regional Price Parities by State, 2024. https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area

---

This bank includes information from the O\*NET 31.0 Database by the U.S. Department of Labor, Employment and Training Administration (USDOL/ETA). Used under the CC BY 4.0 license (https://creativecommons.org/licenses/by/4.0/). O\*NET® is a trademark of USDOL/ETA. NueCareer has transformed the data by joining it to BLS wage and projection data and deriving facet, personality-fit and AI-resilience scores. BLS and BEA data are public domain (17 U.S.C. §105).

O\*NET content is used under [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/). How these figures are sourced and derived: https://nuecareer.com/careers/methodology

JSON representation of this page: https://nuecareer.com/api/v1/careers/structured-finance-banker