Senior Analyst – Structured Finance, Chicago, Colorado, New York or Toronto

S&P Global•Denver, NY

4d•Hybrid

About The Position

S&P Global Ratings is hiring a Senior Analyst for its Structured Finance and Alternative Investment Funds team. The team evaluates credit risk in securitized products and fund structures by analyzing underlying asset performance, structural protections, cash-flow mechanics, and stress scenarios. Its credit opinions help issuers and investors compare complex instruments and understand performance trends and issuance conditions. The analyst leads end-to-end credit analysis and surveillance for assigned structured finance credits, delivering timely, high-quality work and decision-ready insights for rating committees and risk assessments. The role also supports team capability and productivity by coaching junior colleagues, developing reusable analytical resources, improving workflows, and contributing to automation and AI initiatives. Generative AI and large language model tools may be incorporated into analytical workflows, with human accountability retained for conclusions and material risk judgments. The analyst works with internal colleagues and external stakeholders to explain complex analysis in clear, evidence-based narratives. The role requires consistent application of methodologies, confidentiality and data-governance requirements, documentation of assumptions, and escalation of issues that could affect analytical integrity. Employees must work from an office at least two days per week. Candidates reaching the final interview stage must attend at least one in-person interview at their nearest S&P Global Ratings office before an offer can be extended. The position is listed for Chicago, Colorado, New York, or Toronto.

Requirements

Direct experience analyzing securitized products, fund structures, or related structured finance instruments.
Demonstrated ability to deliver high-quality analytical work across multiple credits with limited oversight.
Demonstrated ability to coach junior colleagues through shared standards and tools.
Strong collaboration and relationship-management skills, with the ability to influence through credibility and constructive engagement.
Continuous-improvement mindset and practical fluency in AI tools, with sound judgment in their application.
Demonstrated credit, financial, and risk analysis skills, including the ability to link fundamental drivers to forward-looking risk views.
Practical experience embedding generative AI or large language model tools into professional workflows to improve productivity and analytical output.
Proficiency in analytical and spreadsheet tools, and willingness to develop skills in data and automation platforms.
Effective written and verbal communication skills, including the ability to synthesize complex analysis into concise, evidence-based narratives for senior stakeholders and rating committees.
High standards for analytical quality, traceability, and governance, with sound judgment about responsible AI use in a controlled environment.
Demonstrated ability to contribute to automation workflow design and testing, with clear judgment about which analytical decisions require human oversight.
Typically 3 to 5 years of relevant experience in structured finance, credit analysis, or a related financial field.
Bachelor's degree or equivalent required.
Ability to work from the office a minimum of two days per week.
Final-stage candidates must be able to attend at least one in-person interview at their nearest S&P Global Ratings office before an offer can be extended.

Nice To Haves

A master's degree.
A professional certification such as CFA.
Academic backgrounds beyond traditional finance disciplines that support innovative and critical thinking are welcomed.

Responsibilities

Lead end-to-end credit analysis and surveillance for assigned structured finance credits, with accountability for timely, high-quality deliverables and priorities.
Synthesize portfolio performance, market signals, and peer context into decision-ready insights for rating committee discussions and risk assessments.
Prepare and review analytical inputs, reconcile metrics, and document assumptions in accordance with methodologies and standard operating procedures.
Embed and validate generative AI and large language model tools in analytical workflows while retaining human accountability for conclusions and material risk judgments.
Guide and coach junior analysts and research staff in credit analysis, data discipline, analytical tooling, shared standards, and tools.
Create reusable analytical assets and contribute to lightweight automation initiatives to improve team productivity and free capacity for human analysis.
Identify workflow improvements that reduce unnecessary manual steps without compromising governance or analytical standards.
Partner with senior team members and Data and Engineering colleagues to identify and scale AI and automation use cases with appropriate controls and adoption support.
Engage with external stakeholders alongside senior colleagues, translating complex data and analysis into clear, evidence-based narratives for clients and rating committees.
Prepare committee-ready materials and communicate complex analytical content accessibly to market participants.
Apply methodology, confidentiality, and data-governance requirements consistently, and escalate issues early with clear recommendations.
Contribute to the responsible design and testing of automation and AI-enabled workflows, distinguishing tasks suitable for automation from decisions requiring human judgment.