Senior Analyst, US Public Finance - Housing

S&P Global • Chicago, IL

1d • Hybrid

About The Position

The Credit Ratings team is a vital part of the Global Ratings Services, with 1,400 analysts worldwide dedicated to providing high-quality insights and client service across all sectors. The Public Finance practice focuses on public-sector issuers, analyzing economic trends, revenue stability, governance, and liabilities to help communities finance essential services and investments. The Housing team specifically analyzes approximately 600 ratings for housing finance agencies, public housing authorities, and community development financial institutions, examining capital fund financings and federally-enhanced housing issues. The team values analytical excellence, strategic thinking, and the ability to translate complex affordable housing market dynamics into clear, actionable insights. S&P Global's values of Discovery, Integrity, and Partnership guide their work, with a focus on leveraging AI as an enabler under rigorous governance to enhance human intelligence and deliver trusted insights.

Requirements

• Experience in affordable housing finance, either in loan underwriting, portfolio management, real estate development, or capital raising.
• Familiarity with affordable housing policies, financing structures, and funding programs, including low-income housing tax credits, housing choice vouchers (Section 8), and mortgage revenue bond programs
• Solid foundation in financial statement analysis
• Ownership/execution maturity across multiple credits; delivers high quality with limited oversight and models values-led behavior.
• Strong collaboration/relationship management; influences through credibility and constructive challenge.
• Coaching capability that improves team consistency through shared standards and tools.
• Continuous improvement mindset.
• AI fluency with judgement.
• Strong credit/financial/risk analysis linking drivers to forward-looking views and risk appetite.
• Practical experience embedding AI/LLMs/agents into workflows to improve productivity and insight.
• Strong analytical tool capability; willingness to learn data/automation tools to facilitate AI-enabled workflows.
• Strong synthesis into concise narratives for senior stakeholders/committees with transparent evidence.
• Effective written and verbal communicator, able to present research and analysis in a clear, structured way that supports informed decision making.
• High standards for quality, traceability, and governance; operates effectively in controlled environments.
• Sound judgement on responsible AI use.
• Ability to contribute to scalable automation/agent workflows.
• Bachelor’s degree or equivalent required.
• Employees are required to work from the office a minimum of two days per week.

Nice To Haves

• 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

• Provide day-to-day guidance/coaching to Research Assistants and Rating Analysts, building capability in credit, data discipline, and tooling and reinforcing values-led behaviors.
• Drive consistency/scalability by codifying standard work and promoting disciplined adoption to strengthen trusted, repeatable insights.
• Strengthen AI-enabled productivity by creating reusable assets and proposing lightweight automations that free capacity for human analysis and relationship work.
• Foster continuous improvement by proposing enhancements that remove manual steps without compromising governance or judgement.
• Partner with senior team members and Data/Engineering to identify and scale AI/automation use cases with governance-by-design, controls, and adoption support.
• Lead end-to-end execution for assigned credits, ensuring high-quality analysis and timely delivery across priorities with clear accountability.
• Own surveillance/updates for assigned portfolio, synthesizing performance, market signals, and peer context into decision-useful insights and clear implications for risk.
• Support LLM tools/automation being embedded to accelerate workflows, followed by structured validation and refinement using analytical judgement to maintain trusted conclusions.
• Operate alongside AI agents in recurring workflows.
• Prepare/review inputs, reconcile metrics, document assumptions/changes to ensure adherence to methodologies/standard operating procedures.
• Prepare/review key outputs ensuring clarity and alignment to methodology/sector frameworks and evidentiary standards.
• Support maintenance/review of models to ensure robustness and repeatability and clear linkage to risk views.
• Engage with external parties alongside senior team members.
• Craft client and executive-ready stories that translate complex data, analysis, and research into a clear narrative.
• Advise on issues within clear parameters, integrating and communicating complex information to convey S&P’s analytical expertise and drive engagement with market participants.
• Build trusted stakeholder relationships through emotionally intelligent, collaborative and adaptable delivery.
• Ensure adherence to methodology/confidentiality/data governance; escalate issues early with options/recommendations to protect integrity and trust.
• Embed responsible, governed AI use: approved tools/data only; protect confidential info.
• Drive controlled automation/agentic workflows by contributing to design requirements/controls, supporting testing/rollout, and training others.
• Support decisions relating to guardrails for automation: defining what can be automated vs must remain human-led (especially material risk calls and committee conclusions).

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.
• Secure your financial future through 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.
• From retail discounts to referral incentive awards—small perks can make a big difference.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level