Overview US Corporates – Credit Analyst, Director – Retail & Consumer, Toronto. Requisition ID: 48681. Fitch Ratings is a global credit rating agency seeking a Director for coverage of the Retail and Consumer sector, in New York, Chicago, or Toronto. Location: Toronto, ON, CA. Date Posted: Sep 10, 2025. Fitch fosters an open culture where employees can exchange ideas and perspectives throughout the organization. We value diversity and inclusion and support employee resource groups (ERGs) to connect colleagues for professional and personal support. What We Offer includes the opportunity to be a lead coverage analyst at a global rating agency, within a team-oriented environment, with Fitch Ratings present in over 30 countries. Responsibilities Perform analysis of key quantitative and qualitative factors influencing the credit quality of companies in the Retail & Consumer sectors. Develop and maintain comprehensive financial models. Conduct meetings with Retail & Consumer industry management teams. Present analysis of companies to internal credit rating committees. Communicate rating rationale to external audiences (primarily institutional investors, sell-side analysts and media) in meetings, conference calls, press releases and written research reports. Write timely and effective research on topical issues. Participate in the evaluation of other credits within Corporates, as well as other related credit groups. Represent Fitch in panel discussions and conferences arranged by industry associations, regulatory bodies, etc. Mentor junior members of the Retail & Consumer sector. The role may include managerial responsibilities. Qualifications Bachelor's degree at minimum; MBA or other advanced degree a plus. CFA/CPA preferred. 8+ years relevant experience, including coverage or knowledge of the Retail & Consumer sectors. Capital markets and/or credit analysis experience a plus. Expertise in Excel and Word. Strong analytical, quantitative, and organizational skills. Excellent written and verbal communication skills. Ability to shift fluidly between multiple projects as priorities change. Ability to excel in a team oriented environment. What Would Make You Stand Out A deep understanding of and a keen interest in Retail & Consumer. A professional background in capital markets and/or credit analysis and well-developed financial statement analysis skills. Experience in interpreting complex legal documents such as bank agreements and bond indentures. A strong pattern of leadership and the ability to proactively and successfully interact with various stakeholders, both within and outside of the organization. Why Fitch? Fitch Group brings together global perspectives. We value diversity and ensure each perspective is critical to our success. Fitch is committed to providing objective, timely, independent and forward-looking credit opinions and to avoiding conflicts of interest. Fitch Group 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 NEW YORK & CHICAGO ROLES ONLY: Expected base pay rates for the role will be between $140,000 and $180,000. Actual salaries will be determined on an individualized basis and may vary based on factors including but not limited to education, training, experience, past performance, and other job-related factors. Base pay is one part of Fitch’s total compensation package, which may also include commission earnings, discretionary bonuses, long-term incentives, and other benefits sponsored by Fitch. #J-18808-Ljbffr