Rating Analyst – Structured Finance, Colorado or Toronto

S&P Global • Englewood, CA

4d • 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, 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

• Direct experience analyzing securitized products, fund structures, or related structured finance instruments.
• Collaborative working style with the ability to manage priorities and communicate clearly in a team-oriented environment.
• Learning agility and a continuous improvement mindset, with comfort adopting new tools while maintaining quality and accountability.
• Demonstrated ability to support junior colleagues through guidance, quality checks, and knowledge sharing, including responsible AI practices.
• Strong research and data analysis skills, including financial statement competence and a solid understanding of credit and risk concepts.
• Practical experience using generative AI or large language model tools to support analysis, research, or drafting in a professional context.
• Strong spreadsheet skills and a willingness to develop proficiency in data and automation tools, including the ability to supervise and validate automated outputs.
• Effective written and verbal communication skills, with the ability to present research and analysis in a clear, structured format that supports informed decision-making.
• High standards for accuracy, traceability, and documentation.
• Demonstrated commitment to responsible technology use, following approved boundaries to protect confidentiality and analytical integrity.
• Bachelor's degree or equivalent required.
• Employees are required to work from the office a minimum of two days per week.

Nice To Haves

• Experience supporting financial modeling preferred.
• 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.

Responsibilities

• Build credit judgment through coaching, feedback, and standard methodologies, reinforcing consistent ways of working to strengthen analytical quality and trust.
• Contribute to AI-enabled team productivity by sharing reusable prompts, templates, checklists, and automation that support judgment, reduce rework, and accelerate delivery.
• Support the onboarding and development of junior colleagues through guidance on analytical routines, quality standards, and the effective use of approved tools.
• Contribute to workflow improvement initiatives and support innovation by challenging existing processes and applying fresh perspectives to complex data and problem-solving.
• Own delivery for assigned credits, maintaining clear status updates, strong prioritization, and early escalation of risks to ensure timely, decision-ready outputs.
• Maintain ongoing surveillance for assigned credits, synthesizing developments into insights that support analytical discussions and rating committee materials.
• Build and maintain analytical materials using standard templates, applying automation to reduce rework while retaining human ownership of conclusions.
• Use approved generative AI and large language model tools to support research, comparison, and drafting tasks.
• Collect, reconcile, and validate data, identifying anomalies and gaps early; document assumptions and standardize routines to reduce operational risk.
• Support rating committees by preparing well-evidenced materials and responding to follow-up questions with clear transparency on sources and assumptions.
• Translate data, analysis, and research into clear, decision-ready narratives for clients and senior stakeholders, adapting technical content to suit the audience.
• Apply confidentiality, documentation, and governance requirements consistently, ensuring human accountability for all final analysis and committee content.
• Support the testing of automation and AI tools identified through process improvement initiatives.

Benefits

• Annual incentive plan
• 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