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- Tasks: Conduct credit analysis and review financial documents to support structured finance transactions.
- Company: Join Fitch Ratings, a global leader in credit ratings and research.
- Benefits: Open culture, professional development, and diverse team environment.
- Why this job: Make an impact in finance while developing your analytical skills.
- Qualifications: Strong analytical skills, proficiency in Excel, and effective communication.
- Other info: Opportunity for career growth in a dynamic, multicultural team.
The predicted salary is between 28800 - 48000 £ per year.
Credit Analyst – Asset-Backed Securities, London
Join to apply for the Credit Analyst – Asset-Backed Securities, London role at Fitch Ratings
Fitch Ratings is currently seeking an Analyst to join the European ABS Team based out of our London office.
Fitch is currently seeking a dedicated Credit Analyst to enhance our diverse team of financial professionals. As a global leader in credit ratings and research, we offer unparalleled insights that empower investors to make informed decisions. Take the next step in your career in finance where you will not only be valued for your analytical skills but also your unique perspective and background.
Interested in learning more about how our analysts move markets? Visit: https://careers.fitch.group/content/Credit-Analysts/?locale=en_US
Department Overview
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.
What We Offer
- An open culture where employees can exchange ideas and perspectives irrespective of seniority.
- Embrace diversity and authenticity, encouraging employees to be their true selves.
- Opportunity to drive innovation and value for customers.
- Support for professional development through internal training sessions.
We’ll Count On You To
- 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 presale reports, presentations, research and meetings
- Communicate with transaction arrangers and originators to understand asset characteristics and structural features of the transactions and
- Support in the development of criteria and supporting research.
What You Need To Have
- 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. A later stage of 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, 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)
Why Fitch?
At Fitch Group, the combined power of our global perspectives is what differentiates us. Our global network of colleagues comes together to accomplish things greater than they ever could alone.
Every team member is essential to our business and each perspective is critical to our success. We embrace a diverse culture that encourages a free exchange of ideas, guaranteeing your voice will be heard and your work will have an impact, regardless of seniority.
Fitch Ratings is a leading provider of credit ratings, commentary and research. Dedicated to providing value beyond the rating through independent and prospective credit opinions, Fitch ratings offers global perspectives shaped by strong local market experience and credit market expertise.
Fitch Group 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
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Credit Analyst - Asset-Backed Securities, London employer: Fitch Ratings
Contact Detail:
Fitch Ratings Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Analyst - Asset-Backed Securities, 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 case study! Brush up on your analytical skills and practice presenting your findings clearly. This is your chance to shine and show how you think, so make it count!
✨Tip Number 3
Show off your Excel skills! Since you'll be tested on this, get comfortable with cash flow modelling and other relevant functions. The more confident you are, the better you'll perform.
✨Tip Number 4
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 - Asset-Backed Securities, London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Analyst role. Highlight your analytical skills and any relevant experience in credit analysis or structured finance. We want to see how your background aligns with what we do at Fitch!
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. Be authentic and let your personality come through – we value diversity and unique perspectives.
Showcase Your Excel Skills: Since proficiency in Excel is key for this role, make sure to mention any relevant projects or experiences where you've used Excel effectively. We might even ask you to complete an Excel test, so be prepared to show off those skills!
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, it shows us that you’re genuinely interested in joining our team at Fitch!
How to prepare for a job interview at Fitch Ratings
✨Know Your Numbers
As a Credit Analyst, you'll need to be highly numerate. Brush up on your Excel skills and be prepared for an Excel test during the interview. Practise cash flow modelling and ensure you can confidently discuss how you would analyse financial data.
✨Understand the Legal Side
Familiarise yourself with legal transaction documents, even if you don't have formal legal experience. Being able to review and understand these documents from a credit risk perspective will set you apart. Consider doing some research on common terms and structures used in asset-backed securities.
✨Showcase Your Analytical Skills
Prepare to demonstrate your analytical thinking during the interview. Think of examples where you've applied methodologies to reach structured decisions. You might even want to bring a case study or example of your previous work that highlights your analytical prowess.
✨Be a Team Player
Fitch values collaboration across its diverse teams. Be ready to discuss your experiences working in multicultural environments and how you’ve contributed to team success. Highlight any instances where you’ve worked with colleagues from different backgrounds or locations.