Structured Finance Credit Analysis, Sydney

Fitch Learning; Sydney; Hybrid; AUD 90,000 - 120,000; Full time

Benefits offered by this job

Hybrid work

Training & development

Parental leave

Volunteer days

Job summary

Fitch Ratings in Sydney is seeking a Credit Analyst for the Australia/New Zealand Structured Finance and Covered Bonds team. You will rate transactions, review programmes on a 12-month schedule, and develop analytical documentation for committee meetings.

The role emphasizes advanced Excel data analysis, financial modeling, and clear communication with issuers and investors. You will join a collaborative, globally connected group that supports professional growth and exposure to diverse asset

Qualifications

• Undergraduate degree in finance related discipline; candidates with Science or Engineering background will also be considered.
• For Analyst level: A minimum of 18 months experience at a financial institution working in the mortgage or asset finance departments (preference in a credit or analytical related role)
• For Senior Analyst and Associate Director level: a minimum of 3-5 years structured finance experience gained at an issuer, arranger or trustee, with strong Excel-based analytics and documentation skills.
• Intermediate Excel skills with functions such as VLOOKUP, SUMIF, IF, INDEX, MATCH.

Responsibilities

• Rate new transactions, including evaluating new asset classes and issuers.
• Ensure all structured finance transactions/CvB programmes are reviewed on a continuous 12-month schedule, and at least annually by due date.
• Perform data analysis in Excel.
• Execute Fitch-generated models.
• Prepare high-quality analytical documentation and present findings in committee meetings.
• Provide timely commentary on market and transaction performance.
• Manage queries from issuers/bankers/investors and communicate with external parties.
• Participate in originator/servicer review meetings.
• Contribute to ad hoc projects, reporting, and authoring of reports.

Skills

Analytical mindset

Time management

Attention to detail

Communication

Education

Undergraduate degree in finance/related field

Tools

Excel

Job description

Structured Finance Credit Analysis, Sydney

Fitch Ratings is currently seeking a Credit Analyst to join our Australia/New Zealand Structured Finance and Covered Bonds team, based out of our Sydney 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, which also includes Fitch Solutions. With dual headquarters in London and New York, Fitch Group is owned by Hearst.

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'll 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. Lastly, as part of our global community, you'll find inspiration, challenge, and support, with ample opportunities for visibility and influence in the global financial marketplace.

Want to learn more about a career as a credit analyst at Fitch Ratings? Visit: https://careers.fitch.group/content/Credit-Analysts/

The Australian Structured Finance (SF) and Covered Bonds (CVB) team is currently a team of 15 analysts covering all asset classes in Australian and New Zealand SF and CVB.

What We Offer:

• Join an experienced team
• Exposure to majority of issuers in the market
• Variety of work with ability to work on multiple asset classes (as well as new asset classes and issuers), in both rating new transactions as well as monitoring existing transactions.
• Great development opportunity for someone looking to start or continue to develop their career in SF/CvB.

How You’ll Make an Impact:

• Rating new transactions, including looking at new asset classes and issuers.
• Ensure all structured finance transactions/CvB programmes are reviewed on a continuous 12-month schedule, and all transactions/programmes have been reviewed at least once a year by the due date.
• Performing data analysis in excel.
• Executing Fitch generated models.
• Prepare high-quality analytical documentation and present findings in committee meetings
• Provide timely commentary on market and transaction performance.
• Manage queries from issuers/bankers/investors – represent Fitch and communicate effectively with external transaction parties.
• Participate in originator/servicer review meetings.
• Contribute to ad hoc projects, reporting, and authoring of reports.

You May be a Good Fit if Have:

• Undergraduate degree in finance related discipline; candidates with Science or Engineering background will also be considered.
• For Analyst level: A minimum of 18 months experience at a financial institution working in the mortgage or asset finance departments (preference in a credit or analytical related role)

OR

• For Senior Analyst and Associate Director level: a minimum of 3-5 years structured finance experience gained at an issuer, arranger or trustee, in a role that required:
  • The candidate to work in excel to manipulate, transform and perform calculation to generate an analytical result to support their proposal / recommendations
  • The candidate to prepare documentation to support their proposals / recommendations.
• Intermediate excel skills with knowledge of following functionality [vlookup(), sumif(), if(), index(), match() etc.
• Strong time management skills and a high level of attention to detail.
• An analytical individual who enjoys working with spreadsheets to generate a solution / result.

What Would Make You Stand Out:

• Analytical Curiosity and Problem-Solving: An insatiable desire to understand the “why” behind questions and challenges, coupled with a commitment to robust analysis and continuous improvement.
• Expertise in Structured Finance: Demonstrated experience and an understanding of securitization markets, credit analysis, and transaction structuring across a variety of asset classes.

Why Choose Fitch:

• Hybrid Work Environment: 3 days a week in office required
• 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
• 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

At Fitch, AI is embedded in how we work every day - supporting smarter decision-making, streamlining workflows, and enabling new ways to create value for our business and clients. Intelligent solutions are increasingly part of our day-to-day operations, helping teams work more efficiently and think differently as we continue to evolve. We’re looking for colleagues who are comfortable operating in an AI-enabled environment - or who are curious, adaptable, and eager to build their AI literacy over time. We value professionals who embrace technology as part of continuous learning and who are committed to using it thoughtfully to enhance how work gets done.

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.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 is proud to be an Equal Opportunity and Affiantative Action Employer. We evaluatequalified applicants without regard to race, color, national origin, religion, sex, sexual orientation, gender identity, disability, protected veteran status, and other statuses protected by law.