Structured Finance - Residential Mortgage-Backed Securities, Senior Analyst

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Requisition

Business Unit:
Fitch Ratings

Category:
Credit Analysis & Research

Location:

Chicago, IL, US

Date Posted:
Sep 25, 2026

Fitch Ratings is seeking a Senior Analyst to join the Residential Mortgage-Backed Securities Group (RMBS) in our New York office.

About the Team:

The U.S. Residential Mortgage-Backed Securities (RMBS) group is adding a Credit Analyst or a Senior Credit Analyst to its growing team. This position will collaborate with more senior analysts on transaction analysis; run computer models and perform spreadsheet analysis to evaluate credit risk and cash flow coverage for RMBS transactions; present transaction reviews and analysis at rating committees; develop an understanding of legal and accounting issues affecting a security;

and contribute to research reports and press releases.

How You’ll Make an Impact:

• Analyze critical credit, legal and structural elements of residential mortgage-backed transactions
• Assist in the development of ratings criteria, including writing relevant reports and developing recommendations to bolster analysis
• Produce quality internal and external written reports including credit committees, criteria, special reports and market commentary
• Communicate Fitch rating methodology and criteria to issuers and investors
• Deployment and implementation of cashflow models and tools used in the rating process
• Lead and/or support research projects
• Maintain assigned rating relationship

You May be a Good Fit if:

• You have a bachelor's degree at minimum
• You have 2-3 years of relevant experience (excluding internships)
• Experience in capital markets, mortgage markets, and/or credit analysis is a plus
• You possess strong analytical, quantitative, and organizational skills
• You have excellent written and verbal communication skills
• You have the ability to excel in a team-oriented environment

What Would Make You Stand Out:

• Analyzing critical credit, legal, and structural elements of residential mortgage-backed transactions
• Assisting in the development of ratings criteria, including writing relevant reports and developing recommendations to enhance analysis
  
  Producing high-quality internal and external written reports, including credit committees, criteria documents, special reports, and market commentary
• Communicating Fitch's rating methodology and criteria to issuers and investors effectively
• Deploying and implementing cashflow models and tools used in the rating process
• Leading and/or supporting research projects
• Maintaining assigned rating relationships

Why Choose Fitch:

• Hybrid Work Environment: 3 days a week in office required based on your line of business and location
• 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
• Investing in Your Future:
  Retirement planning and tuition reimbursement programs that empower you to achieve your short and long-term goals
• Promoting Health & Wellbeing:
  Comprehensive healthcare offerings that enable physical, mental, financial, social, and occupational wellbeing
• 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

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…