Senior Analyst - US Public Finance, Housing - New York, Denver, or Chicago

S&P Global•Chicago, NY

9d•Hybrid

About The Position

The Senior Analyst will join S&P Global Ratings’ Public Finance Housing team, which covers approximately 600 ratings across housing finance agencies, public housing authorities, and community development financial institutions in the United States. The team analyzes capital fund financings and federally enhanced housing issues, combining rigorous credit analysis with collaboration to deliver trusted credit opinions on affordable housing. The role leads credit analysis and surveillance for an assigned portfolio, drawing on financial performance, market signals, and peer context to develop clear risk insights. It also involves communicating findings to clients, senior stakeholders, and rating committees; supporting junior analysts; and contributing to controlled automation and AI-enabled analytical workflows with appropriate validation, documentation, and human oversight. The role may be based in New York, Denver, or Chicago. Employees are required to work from an office at least two days per week, and final-stage candidates must attend at least one in-person interview at a nearby S&P Global Ratings office. The position is limited to candidates with an indefinite right to work in the United States.

Requirements

Typically, 3 or more years of relevant experience in financial analysis, public finance, or affordable housing finance.
Demonstrated experience in affordable housing finance, such as loan underwriting, portfolio management, real estate development, or capital raising.
Understanding of affordable housing policies, financing structures, and funding programs, including low-income housing tax credits, housing choice vouchers (Section 8), and mortgage revenue bond programs.
Ability to analyze financial statements and credit risk and deliver high-quality outputs across multiple credits with limited oversight.
Practical experience embedding AI, large language models, or agentic workflows into analytical processes to improve productivity and insight.
Effective written and verbal communication skills, including the ability to explain complex analytical findings clearly to senior stakeholders and rating committees.
Bachelor’s degree or equivalent.
Indefinite right to work in the United States.

Nice To Haves

Master’s degree or professional certification, such as CFA.
Experience coaching or mentoring junior analysts in an analytical or financial services environment.
Experience contributing to scalable automation or AI workflows, including defining requirements, supporting testing, and enabling adoption.
Experience applying credit rating methodologies or public finance analytical frameworks in a structured credit assessment context.
Academic backgrounds outside traditional finance that support innovative and critical thinking are welcomed.

Responsibilities

Coach junior team members on credit analysis, data discipline, and analytical tooling, promoting consistency through shared standards and responsible adoption of AI tools.
Lead end-to-end credit analysis for assigned credits and deliver high-quality work on time across the housing finance portfolio.
Manage surveillance and updates for an assigned portfolio, synthesizing performance, market signals, and peer context into clear risk insights.
Use large language model tools in analytical workflows with structured validation and documentation.
Translate complex data, analysis, and research into clear narratives for clients, senior stakeholders, and rating committees.
Build effective relationships with issuers and market participants.
Follow methodology, confidentiality, and data governance requirements; escalate emerging issues early with clear options and recommendations.
Contribute to controlled automation workflows, including the design, testing, and rollout of AI-enabled tools, and help define appropriate boundaries between automated and human-led analysis.