Rating Analyst - Asset‑Backed Securities, Denver or Toronto

OSTTRA • Englewood, CA

3d • Hybrid

About The Position

S&P Global Ratings' Structured Finance and Alternate Investment Funds practice is part of the Global Ratings Services team, a diverse community of 1,400 analysts across major financial centers worldwide, dedicated to delivering high-quality insights and exceptional client service. The team evaluates the credit risk of securitized products and fund structures by analyzing underlying asset performance, structural protections, cash-flow mechanics, and downside stress scenarios. This is a collaborative, innovation-driven environment at the forefront of structured finance ratings, where human expertise and analytical rigor remain central to every credit opinion.

Requirements

• 2 to 3 years of relevant experience in credit analysis, structured finance, or a related financial field.
• Demonstrated research and data analysis skills, including financial statement competence and a solid understanding of credit and risk concepts applicable to structured products.
• Effective written and verbal communication skills, with the ability to present analysis in a clear, evidence-based, and structured format for diverse audiences.
• High standards for analytical accuracy, traceability, and documentation, with demonstrated adherence to confidentiality and governance requirements.
• Demonstrated experience using generative AI or large language model tools to support analytical research, data workflows, or professional drafting.

Nice To Haves

• Experience supporting financial modeling in a structured finance, ABS, or related credit environment.
• Strong spreadsheet skills and willingness to develop proficiency in data and automation tools, including the ability to supervise and validate automated outputs.
• Collaborative working style with the ability to manage competing priorities and communicate clearly in a team-oriented environment.
• Demonstrated ability to support junior colleagues through knowledge sharing, quality checks, and responsible use of analytical tools.
• Bachelor's degree or equivalent preferred.
• A master's degree or professional certification (such as CFA) is highly valued.
• Candidates from traditional finance disciplines as well as diverse academic backgrounds that support innovative and critical thinking.

Responsibilities

• Own delivery for assigned credits by maintaining clear status updates, prioritizing effectively, and escalating risks early to ensure timely, decision-ready credit opinions on complex structured finance transactions, including asset-backed securities (ABS), Letters of Credit, Tender Option Bonds, and Commercial Paper.
• Maintain ongoing surveillance for assigned credits, synthesizing market and asset performance developments into insights that directly inform analytical discussions and rating committee materials.
• Build and maintain analytical models and packs using standard templates, applying automation where appropriate while retaining full human accountability for conclusions and documented assumptions.
• Use approved generative AI and large language model tools to augment research, drafting, and data comparison tasks, and contribute reusable prompts and templates that strengthen team-wide productivity.
• Prepare well-evidenced rating committee materials and translate complex data and analysis into clear, structured narratives tailored to rating committees, clients, and senior stakeholders.
• Apply confidentiality, documentation, and governance standards consistently across all analytical and operational workflows, upholding human accountability and analytical integrity throughout.

Benefits

• Health care coverage designed for the mind and body.
• Generous time off helps keep you energized for your time on.
• Access a wealth of resources to grow your career and learn valuable new skills.
• Competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs.
• Perks for your partners and little ones, too, with some best-in class benefits for families.
• Retail discounts to referral incentive awards.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level