Credit Analyst - Structured Finance, RMBS

Fitch Ratings
Canary Wharf, London
Competitive salary + discretionary bonus and benefits
09 Mar 2023
08 Apr 2023
Job Function
Credit Analysis
Industry Sector
Credit Rating Agency/Bureau
Employment Type
Full Time

Structured Finance, RMBS Credit Analyst



The Structured Finance team is seeking an analyst based out of our London office. The role is open for positions Senior Analyst to Director level, depending on experience.




The European RMBS team is responsible for providing ratings for all securities backed by residential mortgage loans. In addition, the RMBS team is actively involved in publishing top research in relation to both RMBS performance as well as mortgage market fundamentals. The team places a high priority on the quality of its analysis, transparency of its research and its responsiveness to market participants.




What We Offer:


  • A role with a great variety of daily tasks ranging from discussion with issuers and quantitative analysis over presenting your results in rating committees to writing rating reports
  • A small local team embedded in the wider European SF team allowing for a wide range of interesting credit cases
  • Training opportunities giving you the know-how to rate SF transactions


    We’ll Count on You To:


  • Analysis of new transactions (e.g. collecting and analysing portfolio data, cash flow modelling, review of legal documentation, analysis of the transaction structure),
  • Analysis of existing transactions (e.g. performance analysis),
  • Communication with external parties involved in the rating process including management meetings,
  • Presentation of your analysis in rating committees,
  • Publication of rating reports and press releases,
  • Participation in the publication of research on structured finance related market developments,
  • Participation in the development of rating criteria across products and regions.


    What You Need to Have:


  • Master degree or equivalent with a specialty in Finance, Economics, Accounting, Maths or Statistical Sciences
  • Prior professional experience in credit analysis within the banking industry, ideally, in the securitisation market, in risk management, or have a background in the mortgage industry
  • Strength in numeracy and proficiency with Microsoft Excel
  • Strong written and verbal communication skills


    What Would Make You Stand Out:


  • Strong analytical and problem-solving skills
  • An ability to formulate and deliver concise opinions, facts and arguments both verbally and in writing.
  • Curiosity to solve complex problems using creativity and collaboration


    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. The additional context, perspective and insights we provide have helped fund a century of growth and enables our clients to make important credit judgements with confidence.




    We are building incredible things at Fitch and we invite you to join us on our journey.




    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 interests or any appearance of a conflict of interest. Should you be successful in the recruitment process at Fitch Ratings you will be asked to declare any securities holdings and other potential conflicts prior to commencing employment. If you, or your immediate family, have any holdings that may conflict with your work responsibilities, you may be asked to divest yourself of them before beginning work.




    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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