Rating Analyst – Structured Finance, Colorado or Toronto

S&P Global•Toronto, ON

5d•$62,000 - $101,000•Hybrid

About The Position

The Structured Finance and Alternative Investment Funds team at S&P Global Ratings evaluates the credit risk of securitized products and fund structures. This involves analyzing underlying asset performance, structural protections, cash-flow mechanics, and stress scenarios. The team delivers credit opinions that help issuers and investors compare complex instruments, providing market-relevant perspectives on performance trends and issuance conditions across a growing and evolving sector.

Requirements

1+ years of relevant experience in structured finance ratings or credit analysis within a bank, rating agency, or financial services firm.
Demonstrated data analysis and financial statement analysis skills, with experience supporting financial modeling in a structured finance or credit context.
Demonstrated understanding of credit and risk concepts applicable to structured finance or securitized products.
Proficiency in spreadsheet tools and demonstrated experience using generative AI or large language model tools to support analytical research and drafting.
Effective written and verbal communication skills, with the ability to present research and analysis clearly in a structured and evidence-based format.
High standards for analytical accuracy, traceability, and documentation, with demonstrated adherence to confidentiality and governance requirements.

Nice To Haves

Bachelor's degree or equivalent required. A master's degree or professional certification (such as CFA) is highly valued.
We welcome candidates from traditional finance disciplines as well as diverse academic backgrounds that support innovative and critical thinking.
Experience supporting automation testing or contributing to workflow improvement initiatives in an analytical or financial services environment.
Experience with data visualization, reporting tools, or analytical platforms used in structured finance or credit analysis.

Responsibilities

Develop credit judgment through coaching and standard methodologies, support junior colleagues with guidance on analytical routines and quality standards, and contribute to workflow improvement initiatives.
Own delivery for assigned credits, maintaining ongoing surveillance and synthesizing developments into committee-ready insights; apply AI and automation tools to research, drafting, and data workflows with structured validation.
Collect, reconcile, and validate data; build and maintain analytical packs using standard templates; and document assumptions clearly to maintain analytical transparency and reduce operational risk.
Prepare well-evidenced committee materials and translate data, analysis, and research into clear narratives for rating committees and senior stakeholders.
Apply confidentiality, documentation, and governance requirements consistently, ensuring human accountability for all final analytical outputs and committee content.
Support the testing of automation and agentic AI tools through process improvement initiatives, contributing to their responsible adoption and rollout.