Rating analyst – structured finance, colorado or toronto

About the Role:

Grade Level (for internal use): 09

The Team

The Structured Finance and Alternative Investment Funds team at S&P Global Ratings 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.

The Impact and Responsibilities:

Team Contribution & Capability Building

Build credit judgment through coaching, feedback, and standard methodologies, reinforcing consistent ways of working to strengthen analytical quality and trust. Contribute to AI-enabled team productivity by sharing reusable prompts, templates, checklists, and automation that support judgment, reduce rework, and accelerate delivery. Support the onboarding and development of junior colleagues through guidance on analytical routines, quality standards, and the effective use of approved tools. Contribute to workflow improvement initiatives and support innovation by challenging existing processes and applying fresh perspectives to complex data and problem-solving.

Core Analytical & Delivery

Own delivery for assigned credits, maintaining clear status updates, strong prioritization, and early escalation of risks to ensure timely, decision-ready outputs. Maintain ongoing surveillance for assigned credits, synthesizing developments into insights that support analytical discussions and rating committee materials. Build and maintain analytical materials using standard templates, applying automation to reduce rework while retaining human ownership of conclusions. Use approved generative AI and large language model tools to support research, comparison, and drafting tasks. Collect, reconcile, and validate data, identifying anomalies and gaps early; document assumptions and standardize routines to reduce operational risk.

Stakeholder & Market Engagement

Support rating committees by preparing well-evidenced materials and responding to follow-up questions with clear transparency on sources and assumptions. Translate data, analysis, and research into clear, decision-ready narratives for clients and senior stakeholders, adapting technical content to suit the audience.

Risk Management and Operating

Apply confidentiality, documentation, and governance requirements consistently, ensuring human accountability for all final analysis and committee content. Support the testing of automation and AI tools identified through process improvement initiatives.

Compensation and Benefits Information (US Candidates):

S&P Global states that the anticipated base salary range for this position is $62,000 to $89,000 USD. Final base salary will be based on the individual's geographic location, as well as experience level, skill set, training, licenses, and certifications. In addition to base compensation, this role is eligible for an annual incentive plan.

Compensation and Benefits Information (Canadian Candidates):

S&P Global states that the anticipated range of compensation for this position is CAD $62,000 to $101,000. Final compensation will be based on the individual's performance, geographic location, as well as experience level, skill set, training, licenses, and certifications.

What We're Looking For

Basic Required Qualifications

• Direct experience analyzing securitized products, fund structures, or related structured finance instruments.
• Collaborative working style with the ability to manage priorities and communicate clearly in a team-oriented environment.
• Learning agility and a continuous improvement mindset, with comfort adopting new tools while maintaining quality and accountability.
• Demonstrated ability to support junior colleagues through guidance, quality checks, and knowledge sharing, including responsible AI practices.
• Strong research and data analysis skills, including financial statement competence and a solid understanding of credit and risk concepts.
• Practical experience using generative AI or large language model tools to support analysis, research, or drafting in a professional context.
• Strong spreadsheet skills and a willingness to develop proficiency in data and automation tools, including the ability to supervise and validate automated outputs.
• Experience supporting financial modeling preferred.
• Effective written and verbal communication skills, with the ability to present research and analysis in a clear, structured format that supports informed decision-making.
• High standards for accuracy, traceability, and documentation.
• Demonstrated commitment to responsible technology use, following approved boundaries to protect confidentiality and analytical integrity.

Additional Information

An S&P Global employee at this level would typically have 2 to 3 years of relevant experience in structured finance, credit analysis, or a related financial field. Education: Bachelor's degree or equivalent required. 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. Employees are required to work from the office a minimum of two days per week. Candidates who reach the final stage of the interview process will be asked to attend at least one in-person interview at their nearest S&P Global Ratings office before an offer can be extended.

About S&P Global Ratings

At S&P Global Ratings, our analyst-driven credit ratings, research, and sustainable finance opinions provide critical insights that are essential to translating complexity into clarity so market participants can uncover opportunities and make decisions with conviction. By bringing transparency to the market through high-quality independent opinions on creditworthiness, we enable growth across a wide variety of organizations, including businesses, governments, and institutions.

What’s In It For You?

Our Mission: Advancing Essential Intelligence. Our People: We're more than 35,000 strong worldwide—so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all.

Benefits

We take care of you, so you can take care of business. We care about our people. That’s why we provide everything you—and your career—need to thrive at S&P Global.

Global Hiring and Opportunity at S&P Global

At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions.

Equal Opportunity Employer

S&P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law.