Senior Analyst – Financial Institutions Ratings, Denver, CO or New York City, NY

S&P Global•Denver, NY

1d•Hybrid

About The Position

The Financial Institutions Ratings team at S&P Global Ratings delivers independent credit opinions on banks and securities firms, providing market participants with the transparency they need to make decisions with confidence. The team produces rigorous, criteria-based fundamental research in a fast-paced environment that values analytical integrity, intellectual curiosity, and collaboration. You will join a group where your analytical work carries real market significance and where you can develop deep sector expertise alongside experienced colleagues. As a Senior Analyst covering financial institutions, you will own the credit ratings process for an assigned portfolio of bank and securities firm credits, producing independent, well-supported credit opinions that inform investors, issuers, and the broader market. Your work will contribute directly to the quality and integrity of S&P Global Ratings' coverage of one of the most systemically important sectors in global finance.

Requirements

3+ years of relevant experience in credit or equity research, banking, risk management, underwriting, or a related analytical field
Demonstrated ability to analyze financial statements, apply accounting concepts, and conduct fundamental credit analysis of financial institutions
Understanding of fixed income and debt capital markets and their application to credit analysis or research
Ability to evaluate complex information, exercise sound analytical judgment within established frameworks, and communicate recommendations clearly and effectively
Proficiency in Microsoft Excel, Word, and PowerPoint for financial analysis and reporting
English: Fluent (able to conduct meetings, collaborate effectively, and communicate clearly in writing and verbally)

Nice To Haves

FRM (Financial Risk Manager) designation or equivalent risk management certification
Experience contributing to analytical projects or team initiatives and working effectively across functions
Experience providing guidance or sharing technical knowledge with junior colleagues
Experience using coding or programming tools to support financial analysis or data processing
Demonstrated interest in identifying opportunities to improve analytical processes, quality, or efficiency
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

Lead the full credit ratings process for assigned financial institutions — including quantitative analysis, issuer engagement, committee preparation, and rating publication — within established criteria and analytical frameworks
Manage ongoing surveillance for an assigned portfolio, conducting fundamental credit analysis and identifying developments that may affect creditworthiness
Conduct detailed research and analysis on industry topics, including capital frameworks, operational risk, and liquidity risk, contributing to credit insights, peer comparisons, and industry commentaries
Analyze complex or less clearly defined credit issues, applying sound analytical judgment and available data to identify appropriate approaches and recommendations
Engage professionally with issuers and internal partners to gather information, communicate analytical views, and support the delivery of high-quality credit analysis
Share analytical knowledge and provide guidance to junior colleagues, contributing to the knowledge and skill base of the broader team

Benefits

Annual incentive plan
Health care coverage designed for the mind and body
Generous time off
Access to a wealth of resources to grow your career and learn valuable new skills
Competitive pay
Retirement planning
Continuing education program with a company-matched student loan contribution
Financial wellness programs
Family friendly perks
Retail discounts
Referral incentive awards