Senior Analyst – Structured Finance, Colorado or Toronto

S&P Global • Toronto, ON

3d • CA$94,000 - CA$128,000 • Hybrid

About The Position

Credit Ratings is an integral part of the Global Ratings Services team, comprising a diverse group of 1,400 analysts spread across key financial hubs worldwide. We are dedicated to delivering high-quality insights and exceptional client service across all industry sectors. The Structured Finance and Alternate Investment Funds practice evaluates the credit risk of securitized products and fund structures by analyzing underlying asset performance, structural protections, cash-flow mechanics, and downside stress scenarios. Analysts produce opinions that help issuers and investors compare complex instruments, bringing market-relevant perspectives on topics such as performance trends, issuance conditions, and AI’s role in origination and securitization.

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, and 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.
• Demonstrated credit, financial, and risk analysis skills, with 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, with a willingness to develop skills in data and automation platforms.
• Effective written and verbal communication skills, with the ability to synthesize complex analytical content into concise, evidence-based narratives for senior stakeholders and rating committees.
• High standards for analytical quality, traceability, and governance, with sound judgment on the responsible use of AI tools in a controlled environment.
• Demonstrated ability to contribute to automation workflow design and testing, with clear judgment on which analytical decisions require human oversight.

Nice To Haves

• 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

• Guide and coach junior analysts and research staff, building capability in credit analysis, data discipline, and analytical tooling to reinforce consistent, high-quality outputs.
• Strengthen team productivity by creating reusable analytical assets and contributing to lightweight automation initiatives that free capacity for human analysis and judgment.
• Identify and propose workflow improvements that remove unnecessary manual steps without compromising governance or analytical standards.
• Lead end-to-end credit analysis and surveillance for assigned structured finance credits, ensuring timely, high-quality delivery with clear accountability for outputs and priorities.
• Synthesize portfolio performance, market signals, and peer context into decision-ready insights that support rating committee discussions and risk assessments.
• Embed and validate generative AI and large language model tools within analytical workflows, maintaining human accountability for all conclusions and material risk judgments.
• Engage with external stakeholders alongside senior team members, translating complex data and analysis into clear, evidence-based narratives for clients and rating committees.
• Prepare well-structured committee materials and communicate complex analytical content in a clear and accessible format for market participants.
• Apply methodology, confidentiality, and data governance requirements consistently, escalating issues early with clear recommendations to protect analytical integrity.
• Contribute to the responsible design and testing of automation and AI-enabled workflows, maintaining clear boundaries between what can be automated and what requires human judgment.

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: Senior