As a young professional, time spent in a CSC internship can help you —
Working at Credit Spectrum was a great opportunity for me because I had been trying to break into the structured finance world for a long time. I learned a lot from my supervisors and their colleagues, who are experts in structured products. As the ABS market becomes more transparent, the demand will be much higher for experienced and knowledgeable people. The Credit Spectrum training process is hard but very useful. Once you get through it though, you are one step closer to success.
2017/01/19 – 2017/02/15
As a Data Science Analyst Intern at CreditSpectrum, I focused on structuring design of ABS, a growing financing sector. I built a cash flow models and VBA code to run Monte Carlo simulations, ran sensitivities and extracted risk metrics like EL, WAL and ratings, analyzed patterns and modeled the impact of different forms of credit enhancement.
And I learnt some important lessons. When you dig deeper, you discover there is more to learn. The more you probe, the more proficient and familiar you become. Pay attention to details. In modeling and coding, there is usually only one way to make all the things correct but many ways to generate errors. Any tiny error may cause the model to not function!
2019/03/25 – 2019/04/19
I had a great time at CreditSpectrum and enhanced myself a lot in that period. If saying a sentence to the audiences, it must be "CreditSpectrum is a small company but with large potential, innovation and will equip you with skills needed for your next career. "
2018/11/19 – 2018/12/14
The experience of working with CreditSpectrum not only helps my technical skills improvement but also helps built confidently for myself in my career life.
The project I did, Data Validation, is the first task that I finished individually after I graduate and I noticed that how those skills I have learned from school could be manipulated in the actual working environment. I learned a lot during the 4 weeks internship.
Thanks for all colleagues and managers’ help and appreciate the opportunity.
2018/11/05 – 2018/11/30
The internship with CSC enabled me to gain a systematic understanding of Asset-Backed securities. The training was well-structured and was delivered in a clear manner. Linna led me through the internship with great patience and adequate guidance. I sincerely enjoyed the opportunity to work with the team.
2018/07/16 – 2018/08/10
The Credit Spectrum internship training program familiarized me with legal and technical aspects of ABS. Building financial models and conducting intensive research on real-life ABS deals shaped me into a better student as well as a better intern. It has also been interesting to meet and to work with other interns from different backgrounds. Overall, this internship at Credit Spectrum has been a very rewarding experience.
2018/07/16 – 2018/08/10
Interning at Credit Spectrum has been a great experience. The training sessions are well designed, the mentors are approachable and helpful, and the tasks given to us further broaden my understanding of ABS. It's a great place to learn about the finance industry and a great starting point of my career.
2018//07/16 – 2018/08/10
It is a great training and working experience in CSC. We got a chance to learn about credit rating method, Cash Flow Model, Monte Carlo Method, Scenario Test and REITs industry. Overall, we have learnt a lot and also see a new potential career path.
2018/07/09 – 2018/08/10
I deeply enjoy doing quantitative and researching work at CSC. People here are nice and friendly, and they are never hesitated to offer help. Here, I learn financial knowledge, get inspired, make friends...It is an incredible experience.
2018/07/09 – 2018/08/03
At Credit Spectrum Corp., I gained experience and knowledge of structured finance and credit rating that I never had before. Initially I struggled with the cash flow model but it turned out to be very useful for building Excel skills and basic VBA language. In my final research project, I studied REITs field in both Chinese and USA markets and explored areas that I would love to focus on in future. And, I made some new valuable friends.
2018/07/02 – 2018/07/27
I feel that I really learnt a lot of new things about structured finance during my time here, and more importantly, this experience gave me a taste of practical modelling with spreadsheets and programming, which enriched my learning process. I had never realized how complex the specific field of structure finance could be before I came here. This is an entrance to the world of risk, as well as an opportunity for improvement and exploration, by pushing oneself forward step by step.
This is the best internship experience I’ve ever had. With almost no finance background, I can easily get into it with some preparation. We can actually do something such as Cash Flow Modeling, Monte Carlo Simulation, and even actual cases. Intensive, but fulfilling!
2018/05/07 – 2018/06/01
I’ve learnt a lot about structured finance starting from a zero finance background. The internship is fast-pace and self-driven, with mentors on the side when you need help. Structured finance is a very niche area and there are very few opportunities to work on it. I’m really glad that I have such an opportunity to learn about this new area of finance that has not been explored much, and actually do real deals about US and China automobile loans.
2018/04/30 – 2018/05/25
Figures by Ruiyi He, CreditSpectrum Summer 2019
CSC’s Job Portfolio consists of four sectors delineated in the table below. Finance and Marketing are subdivided into strategic and tactical work:
Enterprise Risk Management
Special Asset Valuation
CSC offers model validation, litigation support, expert testimony, quantitative skill assessment and professional training services to regulatory and financial institutions. Our framework of analysis sets the market standard for transparency, reproducibility and non-arbitrary credit risk measurement results.
CSC also provides internship opportunities, implanting positive ideas that nourish young professionals with CSC philosophy. From a base of solid knowledge and industrial experience of structured finance, the program can help candidates who lack work experience (targeted clientele: undergrads, students in graduate programs) get acquainted with the financial industry; and to help financial professionals (targeted clientele: the entry-level to mid-career professionals) strengthen/refresh their existing knowledge and skills, or connect them to other specialized areas then their own.