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- Tasks: Analyse credit risk and prepare rating proposals for structured finance transactions.
- Company: Join Fitch Ratings, a leading global credit ratings agency with over 100 years of expertise.
- Benefits: Enjoy hybrid work, comprehensive healthcare, and continuous learning opportunities.
- Why this job: Make a real impact in global finance while growing your career in a supportive environment.
- Qualifications: Strong analytical skills, proficiency in Excel, and excellent communication abilities required.
- Other info: Collaborative culture with diverse teams and opportunities for community involvement.
The predicted salary is between 36000 - 60000 ÂŁ per year.
Fitch Ratings is currently seeking a Credit Analyst – Structured Finance, ABS. Analyst/Senior Analyst level based out of our London office. As one of the world’s top three credit ratings agencies, Fitch Ratings plays a critical role in global capital markets by providing supplementary credit analysis, ratings, research, and commentary to financial market participants.
For over 100 years, Fitch Ratings has been creating value for global markets through its rigorous analysis and deep expertise, which have resulted in a variety of market leading tools, methodologies, indices, research, and analytical products. Fitch Ratings is part of Fitch Group, a global leader in financial information services with operations in more than 30 countries.
At Fitch Ratings, credit analysts play a pivotal role in moving markets, as quality credit analysis is the lifeblood of our organization. Our unique approach to credit ratings offers unmatched opportunities for professional growth. Embracing a “challenger mindset,” you will join a team dedicated to innovating service to our clients. Our people-driven analysis thrives on collaboration across all levels and locations, surpassing traditional financial modeling.
Fitch’s European Structured Finance team maintains existing ratings and assigns ratings to new structured finance transactions. Fitch currently rates Structured Finance transactions across four main asset classes: Asset Backed Securities, Residential Mortgage-Backed Securities, Commercial Mortgage-Backed Securities, and Structured Credit. Fitch Ratings maintains surveillance on over 1,500 European structured finance transactions.
How You’ll Make an Impact:
- Assess credit risk of consumer loan portfolios
- Conduct on-site reviews of underwriting and servicing practices of originators
- Prepare rating proposals for presentation to internal rating committees
- Communicate rating rationale to investors and other market participants through pre-sale reports, presentations, research and meetings
- Communicate with transaction arrangers and originators to understand asset characteristics and structural features of the transactions
- Support in the development of criteria and supporting research.
You May be a Good Fit if:
- High motivation with a strong desire to perform credit analysis
- Be highly numerate and analytical, with a high level of proficiency in using Excel (candidates will be asked to complete an Excel test)
- Strong written and oral communication skills in English
- Ability to review, understand and analyse legal transaction documents from a credit risk perspective (no formal legal experience required)
- Analytical thinker who can apply methodologies appropriately and insightfully in reaching structured decisions.
- Team player who can work collaboratively as part of a multi-cultural team with members in multiple locations
- Strong attention to detail
What Would Make You Stand Out:
- Relevant experience in credit analysis acquired at, for example, an accountancy firm, bank, consultancy, rating agency, specialist lender or trustee
- Ideally direct experience in securitisation or origination of consumer assets (auto leases / loans, unsecured loans, credit card receivables, residential mortgages)
- Other backgrounds will be considered, provided the candidate can demonstrate sufficient aptitude in the behaviours and skills detailed herein with clear motivation to work in Structured Finance at Fitch Ratings
- Intellectually curious and inquisitive, with a willingness to challenge precedent
- Fluency in other European languages
- Strong organisational skills in completing and prioritising work
Why Choose Fitch:
- Hybrid Work Environment: 3 days a week in office required; up to 4 weeks working from anywhere
- A Culture of Learning & Mobility: Dedicated trainings, leadership development and mentorship programs designed to ensure that your time at Fitch will be a continuous learning opportunity
- Investing in Your Future: Retirement planning and tuition reimbursement programs that empower you to achieve your short and long-term goals
- Promoting Health & Wellbeing: Comprehensive healthcare offerings that enable physical, mental, financial, social, and occupational wellbeing
- Supportive Parenting Policies: Family-friendly policies, including a generous global parental leave plan, designed to help you balance career and family life effectively
- Inclusive Work Environment: A collaborative workplace where all voices are valued, with Employee Resource Groups that unite and empower our colleagues around the globe
- Dedication to Giving Back: Paid volunteer days, matched funding for donations and ample opportunities to volunteer in your community
Fitch is committed to providing global securities markets with objective, timely, independent and forward-looking credit opinions. To protect Fitch’s credibility and reputation, our employees must take every precaution to avoid conflicts of interest or any appearance of a conflict of interest.
Fitch is proud to be an Equal Opportunity and Affirmative Action Employer. We evaluate qualified applicants without regard to race, color, national origin, religion, sex, sexual orientation, gender identity, disability, protected veteran status, and other statuses protected by law.
Credit Analyst. Structured Finance - ABS. Analyst/Senior Analyst level. London employer: Fitch Group, Inc., Fitch Ratings, Inc., Fitch Solutions Group
Contact Detail:
Fitch Group, Inc., Fitch Ratings, Inc., Fitch Solutions Group Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Analyst. Structured Finance - ABS. Analyst/Senior Analyst level. London
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for those interviews! Research Fitch Ratings and their approach to credit analysis. Be ready to discuss your analytical skills and how you can contribute to their structured finance team.
✨Tip Number 3
Show off your Excel skills! Since you'll likely face an Excel test, brush up on your data analysis and modelling techniques. Practice makes perfect, so get comfortable with those formulas and functions.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen. Plus, it shows you're genuinely interested in joining the Fitch team. Don’t miss out on this opportunity!
We think you need these skills to ace Credit Analyst. Structured Finance - ABS. Analyst/Senior Analyst level. London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Analyst role. Highlight relevant experience in credit analysis, especially if you've worked with structured finance or asset-backed securities. We want to see how your skills align with what we're looking for!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about credit analysis and how your background makes you a great fit for Fitch Ratings. Don’t forget to mention your analytical skills and any relevant experience.
Showcase Your Analytical Skills: Since this role requires strong analytical abilities, be sure to include examples of how you've successfully assessed credit risk or analysed financial documents in the past. We love seeing concrete examples that demonstrate your expertise!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands. Plus, you’ll find all the details you need about the role and our company culture there!
How to prepare for a job interview at Fitch Group, Inc., Fitch Ratings, Inc., Fitch Solutions Group
✨Know Your Numbers
As a Credit Analyst, you'll need to be highly numerate and analytical. Brush up on your Excel skills before the interview, as you might face an Excel test. Familiarise yourself with key financial metrics and how they apply to credit analysis.
✨Understand Structured Finance
Dive deep into the world of structured finance, especially Asset Backed Securities (ABS). Be prepared to discuss recent trends and case studies in the sector. This will show your genuine interest and understanding of the role.
✨Prepare for the Case Study
The interview process includes a case study, so practice analysing credit risk scenarios. Think about how you would assess consumer loan portfolios and prepare rating proposals. This will help you demonstrate your analytical thinking and decision-making skills.
✨Communicate Clearly
Strong written and oral communication skills are crucial. Practice explaining complex financial concepts in simple terms. You may need to present your findings or rationale, so clarity and confidence in your communication will set you apart.
