Python Skills for Structured Products SnT or Research (RMBS, CMBS, CMO, CLOs, etc.)

Hi all, 

I'm currently preparing myself to move into a structured products Sales & Trading or Research role, specifically focusing on instruments like CMBS, RMBS, CLOs, CMOs, and other ABS. I've noticed that coding skills, particularly Python and potentially other programming languages, have become increasingly valued in these areas, especially for modeling, data analysis, trading automation, surveillance, and day-to-day workflow efficiency.

For those currently in structured products (SnT or Research), could you share your insights on the most practical or valuable coding skills and libraries that you use regularly on the desk?

Specifically:

  1. Which coding skills or techniques (e.g., pandas data manipulation, NumPy array operations, cash flow modeling, Monte Carlo simulations, VBA, SQL querying, etc.) do you consider critical for structured products roles?
  2. How do these skills typically fit into your day-to-day workflow?
  3. What specific libraries, frameworks, or tools (e.g., pandas, NumPy, SciPy, Pyfolio, QuantLib, SQL, VBA, or any proprietary tools) do you most frequently use?
  4. Can you suggest any resources, courses, or projects that effectively prepare someone aiming to develop intuitive and practical coding skills tailored specifically for structured finance?

Any personal insights or tips on effectively building relevant coding expertise before entering a structured products desk would be greatly appreciated!

9 Comments
 

To excel in structured products Sales & Trading (SnT) or Research roles, particularly for instruments like CMBS, RMBS, CLOs, and CMOs, Python and other technical skills are indeed becoming essential. Here's a breakdown based on the most helpful WSO content:

1. Critical Coding Skills and Techniques

  • Data Manipulation: Mastering Python's pandas library is crucial for handling large datasets, cleaning data, and performing exploratory data analysis.
  • Array Operations: NumPy is essential for efficient numerical computations, especially when working with large datasets or performing matrix operations.
  • Cash Flow Modeling: Building models to project cash flows for structured products is a key task. Python, combined with libraries like QuantLib, can be used for this.
  • Monte Carlo Simulations: These are often used for pricing and risk analysis. Python's SciPy or NumPy can help implement these simulations.
  • SQL Querying: Structured products often involve large datasets stored in databases. SQL is critical for querying and retrieving this data efficiently.
  • Automation: Automating repetitive tasks using Python (e.g., with win32com for Excel automation) can significantly improve workflow efficiency.
  • Visualization: Tools like matplotlib and seaborn are useful for creating visualizations to analyze and present data.

2. Day-to-Day Workflow Integration

  • Modeling and Valuation: Python is used to build and run valuation models for structured products, often incorporating cash flow projections and risk metrics.
  • Data Analysis: Analysts frequently use Python to process and analyze large datasets, such as loan-level data for RMBS or CMBS.
  • Surveillance and Monitoring: Automating surveillance reports and monitoring performance metrics using Python scripts.
  • Trading Automation: Developing tools to automate parts of the trading process, such as pricing or hedging strategies.

3. Key Libraries, Frameworks, and Tools

  • Python Libraries:
    • pandas for data manipulation.
    • NumPy and SciPy for numerical computations and simulations.
    • QuantLib for financial modeling and derivatives pricing.
    • matplotlib and seaborn for data visualization.
    • pyodbc or SQLAlchemy for database connections.
  • Other Tools:
    • SQL for database querying.
    • VBA for Excel-based automation (though Python is often preferred).
    • Tableau or Power BI for advanced data visualization.

4. Resources and Projects for Preparation

  • Courses:
    • Look for Python courses focused on finance, such as those on Udemy or Coursera.
    • Explore QuantLib tutorials for structured finance modeling.
  • Books:
    • "Python for Data Analysis" by Wes McKinney (focuses on pandas and NumPy).
    • "Automate the Boring Stuff with Python" for practical automation skills.
  • Projects:
    • Build a cash flow model for a hypothetical RMBS or CMBS deal.
    • Create a Python script to scrape and analyze loan-level data.
    • Develop a Monte Carlo simulation for pricing a structured product.
    • Automate a surveillance report using Python and SQL.

5. Tips for Building Expertise

  • Be Project-Driven: Focus on practical projects that mimic real-world tasks in structured products.
  • Learn by Doing: Start with small tasks, like automating Excel reports, and gradually move to more complex projects like cash flow modeling.
  • Leverage Open Source: Use resources like GitHub to find and adapt existing Python scripts for structured finance.
  • Stay Updated: Follow forums like WSO to learn from professionals already in the field.

By focusing on these skills and resources, you'll be well-prepared to contribute effectively to a structured products desk.

Sources: Programming/Technical Skills for Finance: SQL and Python, Programming/Technical Skills for Finance: SQL and Python, WSO Python / Machine Learning Courses - NOW AVAILABLE, Using Python to Automate tasks in ER/IB, 0 to pseudo quant real quick - analytical skills for juniors with finance background

I'm an AI bot trained on the most helpful WSO content across 17+ years.
 

Bumping this as well. Would also be helpful to know if its possible to break into a structured trading desk (CLOs, CMBS) from a non tech background (econ major at target) if I learn python outside of class.

 
Most Helpful

Depends on role. In S&T I’d expect you’re doing data wrangling and process automation. For Python think more so Pandas and NumPy vs some of the other more “quant” tools you mentioned.

SQL is key for archiving data regardless of role (but pretty easy to learn).

VBA is increasingly used less, but still can be the best solution for certain automation tasks within Outlook/Excel. Plus keep in mind that as an entry level analyst you’ll initially be put on existing processes, so if it’s in VBA you’ll still be expected to figure it out.

You’ll also be using a lot of API/wrappers like Intex and Bloomberg to scrape data, model cash flows, and run analytics. But I don’t think you can practice much of that without a license. Unless you’re covering a very esoteric product I wouldn’t expect to do a ton of cash flow modeling from scratch.

Overall if you want to practice I’d suggest focusing on analysis of large datasets. You’ll likely be dealing with a lot of loan level data (deals can have thousands of loans) or at least a lot of cusips. A lot of stratification and turning large datasets into a digestible summary for more senior guys to make decisions on. And maybe try setting up an automated email or report that goes out based on the results of your code.

If you end up in a quant seat you might be working on some more advanced libraries, but at the start I think it’s unlikely you’re expected to write those kind of scripts from scratch vs running/debugging existing code.

 

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