Senior Director for Asset - Backed Securities at Fitch Ratings. Leading analysis of credit risks and writing market commentary based in Chicago's digital infrastructure sector.
About the role
- Credit Research Senior Analyst focusing on internal ratings and sector reviews at Phoenix Group's investment research team. Analyzing real estate backed assets and ensuring compliance with credit rating methodologies.
Responsibilities
- The focus of this role is to assign and monitor internal ratings, undertake sector and portfolio reviews, help ensure the rating framework remains appropriate and in line with Credit Rating Agency (CRA) guidance.
- Assign internal credit ratings on unrated illiquid asset independently or with minimal guidance, ensuring ratings are accurate, follow approved methodology and are timely.
- Integrate environmental, social and governance factors in the analysis of each investment.
- Monitoring of ratings - ongoing surveillance / annual reviews / ad-hoc reviews (e.g. credit/event driven).
- Develop and maintain deep understanding of CRA rating methodologies and ensure the methodologies for assigning ratings remains appropriate.
- Independently contribute to the development and maintenance of the relevant methodologies and associated documentation and ensure it meets all requirements (including rating agency criteria and regulatory guidelines and best practice).
- Act as secondary analyst to other private debt transactions, providing assurance and challenge to processes and outcomes.
- Monitoring of group limits, risk and concentration and any restricted assets (for example watch list).
Requirements
- Demonstrates strong knowledge of the credit rating processes and methodologies undertaken by Credit Ratings Agencies (CRA).
- Ability to interpret sector-specific rating approaches; Real Estate backed debt in the form of CRE (Corporate Real Estate) loans, Commercial Ground Rent loans, Property Corporates and REITs, Credit Tenant Lease and Income Strips, including financial information analysis and loan documentation.
- Strong capability in producing credit memos and sector reports highlighting key investment risks and opportunities.
- Confidently develops and maintains Risk ID and produce and test scorecards/financial models and assess the reasonableness of rating outputs from scorecards.
- Ability to interpret credit ratings and challenge subjective assessments.
- Form and present opinions on the credit quality of an asset including the ability to write credit reports highlighting key risks to range of stakeholders.
- Experience of Excel, Word, PowerPoint and ideally, credit rating agency data platforms.
Benefits
- bonus
- excellent pension scheme
- private medical insurance
- electric vehicle scheme
- 38 days holiday incl. Bank Holidays (pro-rated)
- 12x salary life assurance
- career breaks
- income protection
- 3x volunteering days
- much more!
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