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. Requirements 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. Core Competencies 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. Hard Skills Data Analysis Financial Modelling Spreadsheet Skills Automation Tools Quality Assurance Soft Skills Collaboration Learning Agility Clear Communication Guidance and Mentorship Industry Keywords Structured Finance Ratings Residential Mortgage Credit Operational Risk Confidentiality Governance Requirements Tools & Technologies GenAI Tools LLM ToolsAnalytical Packs Standard Templates #J-18808-Ljbffr Jobtailor