Structured Finance - ABS, Associate Director - Toronto

Structured Finance - ABS, Associate Director - Toronto 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.

At Fitch Ratings, credit analysts play a pivotal role in moving markets. 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. 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.

About the Role Fitch Ratings is seeking an Associate Director to join the Asset‑Backed Securities (ABS) Group in our Toronto office. The role will be responsible for a wide range of projects, including rating ABS transactions and authoring market commentary and research.

The position covers the U.S. ABS market, with initial emphasis on auto loan, auto lease, and equipment leasing sectors.

About the Team

Excellent communication skills are essential, as is a high‑productivity work ethic and a results‑oriented mindset.

Opportunity to lead coverage analysis at a global rating agency.

Role that helps debt capital markets make more informed decisions via timely, insightful and forward‑looking rating actions and research.

How You’ll Make an Impact

Analyze critical credit, legal and structural elements of ABS transaction structures.

Assist in the development of rating criteria, including writing relevant reports and developing recommendations to bolster analysis.

Deploy and implement cash‑flow models and tools used in the rating process.

Lead and/or support research projects.

Maintain assigned rating relationships.

You May Be a Good Fit If

BA/BS degree with a minimum of 4 years of work experience; prior structured finance and direct ABS experience preferred.

Exceptional communication—particularly in writing—and strong quantitative and technical expertise.

Self‑motivated with strong time‑management and organization skills.

Strong understanding of credit fundamentals and willingness to learn new concepts and techniques quickly.

What Would Make You Stand Out

Previous experience in the structured finance sector from a credit perspective.

Experience with cash‑flow modeling or loss forecasting analysis.

Why Choose Fitch

Hybrid work environment: 2–3 days a week in office required.

Culture of learning & mobility: dedicated trainings, leadership development and mentorship programs.

Investing in your future: retirement planning and tuition reimbursement.

Promoting health & wellbeing: comprehensive healthcare offerings.

Supportive parenting policies: generous parental leave plan.

Inclusive work environment: collaborative workplace with employee resource groups.

Giving back: paid volunteer days and matched donation funding.

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.

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