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For Companies At a Glance
- Tasks: Analyse credit risk and assess consumer loan portfolios in a dynamic team.
- Company: Join Fitch Ratings, a top 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 structured finance.
- Qualifications: Strong analytical skills, proficiency in Excel, and a passion for credit analysis.
- Other info: Collaborative culture with diverse teams and ample opportunities for professional growth.
The predicted salary is between 36000 - 60000 £ 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.
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’ll join a team dedicated to innovating service to our clients.
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.
How You’ll Make an Impact
- Assess credit risk of consumer loan portfolios
- Implement cash flow modelling
- Review transaction legal documents
- 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
- Strong written and oral communication skills in English
- Ability to review, understand and analyse legal transaction documents from a credit risk perspective
- 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
- Other backgrounds will be considered, provided the candidate can demonstrate sufficient aptitude in the behaviours and skills detailed herein
- 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
- Investing in Your Future: Retirement planning and tuition reimbursement programs
- Promoting Health & Wellbeing: Comprehensive healthcare offerings
- Supportive Parenting Policies: Family-friendly policies
- Inclusive Work Environment: A collaborative workplace where all voices are valued
- Dedication to Giving Back: Paid volunteer days and matched funding for donations
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
Contact Detail:
Fitch 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 Fitch employees on LinkedIn. A friendly chat can give you insider info and maybe even a referral, which can really boost your chances.
✨Tip Number 2
Prepare for the interview by brushing up on your Excel skills. Since you'll likely face an Excel test, practice those formulas and data analysis techniques to show you're ready to tackle the numbers.
✨Tip Number 3
Show off your analytical thinking! During interviews, be ready to discuss how you approach credit risk assessments and any relevant experiences you've had. Use examples that highlight your problem-solving skills.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re serious about joining the Fitch team.
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 consumer assets or structured finance before. 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 you can contribute to our team at Fitch Ratings. Keep it concise but impactful – we love a good story!
Show Off Your Analytical Skills: Since this role requires strong analytical abilities, make sure to showcase any relevant projects or experiences that demonstrate your proficiency in Excel and your ability to assess credit risk. We’re keen to see your analytical mindset in action!
Apply Through Our Website: Don’t forget to apply through our website! It’s the best way to ensure your application gets into the right hands. Plus, it shows us you’re serious about joining our team at Fitch Ratings. We can’t wait to hear from you!
How to prepare for a job interview at Fitch Group
✨Know Your Numbers
As a Credit Analyst, you'll need to be highly numerate and analytical. Brush up on your Excel skills and be prepared for an Excel test during the interview. Familiarise yourself with cash flow modelling and how it applies to structured finance.
✨Understand the Legal Jargon
You’ll be reviewing legal documents from a credit risk perspective, so it’s crucial to understand the basics of these documents. Do some research on common terms and structures in asset-backed securities to show you’re ready to dive into the details.
✨Prepare for the Case Study
The interview process will include a case study, so practice analysing consumer loan portfolios or similar scenarios. Think about how you would assess credit risk and prepare to present your findings clearly and confidently.
✨Show Your Team Spirit
Fitch Ratings values collaboration, so be ready to discuss your experience working in teams. Share examples of how you've successfully collaborated with others, especially in multi-cultural settings, to demonstrate that you can thrive in their environment.
