Rating Analyst – Structured Finance, Colorado or Toronto

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.

Grade Level (for internal use): 09

• 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.

• 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.

• 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.

• 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.

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. For more information on benefits.

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. In accordance with Ontario's new regulations effective January 1, 2026, this job posting provides information on expected compensation. S&P Global will not be utilizing artificial intelligence in our hiring process.

Additionally, we are committed to transparency and will inform all interviewed candidates of hiring decisions within 45 days of their interview. This posting is for an existing vacancy, and we encourage you to reach out for further information regarding our hiring practices or any questions you may have. Thank you for considering a career with us.

• 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…