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

S&P Global•Toronto, ON

1d•$92,000 - $121,000•Hybrid

About The Position

S&P Global Ratings' Structured Finance and Alternative Investment Funds team 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. This role involves leading end-to-end credit analysis and surveillance for assigned structured finance credits, ensuring timely, high-quality delivery with clear accountability for outputs and priorities. It also requires synthesizing portfolio performance, market signals, and peer context into decision-ready insights that support rating committee discussions and risk assessments. A key aspect of the role is embedding and validating generative AI and large language model tools within analytical workflows, while maintaining human accountability for all conclusions and material risk judgments. The analyst will prepare and review analytical inputs, reconcile metrics, and document assumptions to ensure adherence to methodologies and standard operating procedures. Additionally, the role involves engaging with external stakeholders alongside senior team members, translating complex data and analysis into clear, evidence-based narratives for clients and rating committees, and preparing well-structured, committee-ready materials. Risk management and operating responsibilities include consistently applying methodology, confidentiality, and data governance requirements, escalating issues early with clear recommendations to protect analytical integrity, and contributing 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.

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.
A continuous improvement mindset, with practical fluency in AI tools and sound judgment in their application.
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.
Partner with senior team members and Data and Engineering colleagues to identify and scale AI and automation use cases with governance-by-design, appropriate controls, and adoption support.
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.
Prepare and review analytical inputs, reconcile metrics, and document assumptions to ensure adherence to methodologies and standard operating procedures.
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-ready materials and communicate complex analytical content in an 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.