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

About The Role

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.

Team Contribution & Capability Building

• 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.

Core Analytical & Delivery

• 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.

Stakeholder & Market Engagement

• 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.

Risk Management and Operating

• 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.

Basic Required Qualifications

• 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.

Additional Information

• An S&P Global employee at this level would typically have 3 to 5 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.

Pay

• US Candidates: $92,000 to $121,000 USD base salary range. Final base salary based on geographic location, experience level, skill set, training, licenses, and certifications. This role is eligible for an annual incentive plan.
• Canadian Candidates: 94,000 to 128,000 CAD compensation range. Final compensation based on performance, geographic location, experience level, skill set, training, licenses, and certifications.