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: <a href="https://careers.fitch.group">https://careers.fitch.group</a> Fitch Ratings is seeking a Senior Director to join the Residential Mortgage-Backed Securities Group (RMBS) in our Chicago office. About the Team: The U.S. RMBS group is seeking a Senior Director to help lead transaction coverage and contribute to criteria, research, and market engagement. In this role, you will lead end‑to‑end analysis and presentation of complex RMBS transactions; independently assess credit, cash flow, legal, and structural risks; chair or present at rating committees; mentor junior analysts; engage with issuers, arrangers, and investors; and contribute to thought leadership and criteria enhancements. How You’ll Make an Impact: <ul style="margin-top:0.0in;margin-bottom:0.0in"> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">Lead primary and surveillance analysis of RMBS transactions, including collateral, structural, legal, and counterparty assessments</li> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">Own cash flow modeling, scenario design, and sensitivity analysis; oversee model deployment and results interpretation</li> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">Present recommendations at rating committees; chair committees as needed and document decisions to a high standard</li> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">Drive criteria application and contribute to criteria development and methodological enhancements</li> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">Produce high‑quality research, market commentary, and issuer/investor communications</li> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">Manage and deepen assigned issuer and transaction relationships; represent Fitch in external meetings and conferences</li> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">Coach and review the work of junior and senior analysts to ensure analytical rigor and consistency</li> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">Monitor market developments, performance trends, and regulatory changes; translate insights into analytical viewpoints</li> </ul> You May Be a Good Fit if: <ul style="margin-top:0.0in;margin-bottom:0.0in"> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">You have 10+ years of relevant experience in RMBS/ABS, mortgage credit, structured finance, or closely related capital markets roles</li> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">You hold at least a bachelor’s degree; advanced degree and/or CFA/FRM is a plus</li> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">You possess strong analytical and quantitative skills, including proficiency with cash flow modeling and large datasets</li> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">You have excellent written and verbal communication skills and are comfortable engaging senior external stakeholders</li> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">You thrive in a collaborative, fast‑paced environment and can manage multiple transactions and deadlines</li> </ul> What Would Make You Stand Out: <ul style="margin-top:0.0in;margin-bottom:0.0in"> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">Direct lead experience on RMBS new‑issue and surveillance mandates, including presenting or chairing rating committees</li> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">Deep knowledge of U.S. mortgage products, origination/servicing practices, due diligence, and performance drivers</li> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">Hands‑on experience with RMBS cash flow engines, loan‑level analytics, and scenario/sensitivity frameworks</li> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">Demonstrated contributions to criteria, methodology consultations, or thought‑leadership publications</li> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">Established relationships with RMBS issuers, arrangers, servicers, and investors</li> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">Experience mentoring and reviewing the work of junior analysts; strong quality control and documentation discipline</li> </ul> Why Choose Fitch: <ul style="margin-top:0.0in;margin-bottom:0.0in"> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">Hybrid Work Environment: 3 days a week in office required based on your line of business and location</li> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">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</li> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">Investing in Your Future: Retirement planning and tuition reimbursement programs that empower you to achieve your short and long-term goals</li> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">Promoting Health & Wellbeing: Comprehensive healthcare offerings that enable physical, mental, financial, social, and occupational wellbeing</li> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">Supportive Parenting Policies: Family-friendly policies, including a generous global parental leave plan, designed to help you balance career and family life effectively</li> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">Inclusive Work Environment: A collaborative workplace where all voices are valued, with Employee Resource Groups that unite and empower our colleagues around the globe</li> <li style="margin:0.0in 0.0in 0.0in 32.0px;line-height:normal;font-size:12.0pt;font-family:Aptos, sans-serif;color:black">Dedication to Giving Back: Paid volunteer days, matched funding for donations and ample opportunities to volunteer in your community</li> </ul> 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 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. FOR CHICAGO: Expected base pay rates for the role are between $175,000 and $210,000 per year. Actual salaries will be determined on an individual basis and may vary based on factors including, but not limited to, education, training, experience, past performance, and other job-related considerations. Base pay is one component of Fitch’s total compensation package, which may also include commission earnings, discretionary bonuses, long-term incentives, and other benefits sponsored by Fitch, depending on the position. #LI-EC1 #LI-HYBRID

Structured Finance - RMBS, Senior Director - Chicago (Chicago, IL, US) @ Fitch Group Inc P

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