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- Tasks: Assess credit risk and prepare rating proposals for structured finance transactions.
- Company: Join Fitch Ratings, a top global credit ratings agency with over 100 years of expertise.
- Benefits: Competitive salary, professional growth, and a collaborative work environment.
- Why this job: Make a real impact in global capital markets while developing your analytical skills.
- Qualifications: Strong analytical skills, proficiency in Excel, and excellent communication abilities.
- Other info: Dynamic team culture with opportunities for visibility and influence in finance.
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.
At Fitch Ratings, credit analysts play a pivotal role in moving markets, as quality credit analysis is the lifeblood of our organization. With a legacy of over a century, 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. The interview process will feature a case study.
- 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
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 current or former employees at Fitch Ratings on LinkedIn. A friendly chat can give us insider info and maybe even a referral, which can really boost your chances.
✨Tip Number 2
Prepare for the case study! Brush up on your analytical skills and practice presenting your findings clearly. We want to show that we can think critically and communicate effectively, just like they do at Fitch.
✨Tip Number 3
Show off your Excel skills! Since they’ll be testing our proficiency, let’s get comfortable with financial modelling and data analysis. There are loads of online resources to help us sharpen those skills.
✨Tip Number 4
Apply through our website! It’s the best way to ensure our application gets seen. Plus, we can tailor our application to highlight how our skills match what they’re looking for in a Credit Analyst.
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 and any specific skills that match the job description, like your proficiency in Excel or your analytical thinking.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about structured finance and how your background makes you a great fit for Fitch Ratings. Keep it concise but impactful.
Showcase Your Analytical Skills: Since this role requires strong analytical abilities, consider including examples of past projects where you've successfully assessed credit risk or worked with financial models. Numbers speak volumes!
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 and shows us you’re serious about joining our team at Fitch Ratings.
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 demonstrate your analytical skills. Brush up on your Excel proficiency and be prepared for any numerical tests. Practise interpreting data and financial models, as this will likely come up during the interview.
✨Understand Structured Finance
Familiarise yourself with Asset Backed Securities and other structured finance products. Be ready to discuss recent trends in the market and how they might impact credit risk. Showing that you’re well-informed will impress the interviewers.
✨Prepare for the Case Study
The interview process includes a case study, so practice analysing credit risk scenarios. Think about how you would assess a consumer loan portfolio or evaluate underwriting practices. This will help you articulate your thought process clearly during the interview.
✨Communicate Effectively
Strong communication skills are key for this role. Prepare to explain complex concepts simply and clearly. Practise presenting your ideas and rationale, as you’ll need to convey your findings to both technical and non-technical audiences.
