Rating Analyst – Structured Finance

Responsibilities

• Develop credit judgement through feedback/coaching and standard methodologies; reinforce standard ways of working to improve consistency and trust.
• Support AI-enabled team productivity by sharing reusable prompts, templates, checklists, and automations that support judgment, reduce rework, and accelerate delivery.
• Support onboarding/capability-building of more junior colleagues through guidance on routines, quality standards, and effective use of approved tools.
• Contribute to workflow improvement initiatives.
• Own delivery for assigned credits with clear status updates, strong prioritization, and early escalation of risks/dependencies to ensure decision‑ready outputs.
• Maintain ongoing surveillance for assigned credits you support with, synthesizing developments into insights that support analytical discussions and committee materials with clear evidence.
• Build/maintain analytical packs using standard templates; apply automation to reduce rework while retaining human ownership of conclusions.
• Use approved GenAI/LLM tools as an enabler for research/comparison/drafting.
• Collect/reconcile/validate data; identify anomalies/gaps early.
• Support maintenance/review of models under guidance; document assumptions/changes; standardize routines to reduce operational risk.
• Support rating committees by preparing well‑evidenced materials and responding to follow‑up questions with transparency on sources and assumptions.
• Translate data, analysis, and research into clear, decision‑ready narratives for clients and senior stakeholders.
• Clarify technical information, bring new ideas forward and adapt messaging to the audience.
• Apply confidentiality, documentation, and governance requirements consistently, ensuring human accountability for final analysis and committee content.
• Support testing of automation/agentic AI tools identified through process improvement initiatives.

• 2+ years of relevant work experience, preferably within a Structured Finance Ratings capacity or prior work experience working in residential mortgage credit at a bank or independent mortgage company.
• Collaborative teammate who manages priorities and communicates clearly in a partnership‑driven environment.
• Learning agility and continuous improvement mindset, comfortable adopting new tools while protecting quality and accountability.
• Ability to support juniors through guidance, quality checks, and knowledge sharing including responsible AI practices.
• Strong research/data analysis skills.
• Financial statement/data competence; experience supporting modelling preferred.
• Understanding of credit/risk concepts.
• Practical AI fluency: uses GenAI/LLMs to augment analysis.
• Strong spreadsheet skills; willingness to learn data/automation tools to supervise and validate automated outputs.
• Effective written and verbal communicator, able to present research and analysis in a clear, structured way that supports informed decision making.
• High standards for accuracy, traceability, and documentation.
• Responsible technology use: follows approved boundaries to protect confidentiality and integrity.

Demonstrates strong analytical skills and financial statement competence, with a focus on credit and risk concepts. Proficient in using GenAI/LLM tools for data analysis and committed to maintaining high standards of accuracy and documentation.

• Data Analysis
• Financial Modelling
• Spreadsheet Skills
• Automation Tools
• Quality Assurance

• Collaboration
• Learning Agility
• Clear Communication
• Guidance and Mentorship

• Structured Finance Ratings
• Residential Mortgage Credit
• Operational Risk
• Confidentiality
• Governance Requirements

• GenAI Tools
• LLM Tools Analytical Packs
• Standard Templates