Senior Analyst, US Public Finance - Housing

About the Role

The Housing team is a dynamic, collaborative group that covers a portfolio of approximately 600 ratings associated with housing finance agencies, public housing authorities, and community development financial institutions. We analyze capital fund financings and federally‑enhanced housing issues across the country, combining independent analytical work with strong team collaboration.

Credit Ratings is an integral part of the Global Ratings Services team, comprising a diverse group of 1,400 analysts spread across key financial hubs worldwide. We are dedicated to delivering high‑quality insights and exceptional client service across all industry sectors.

The Public Finance practice delivers credit opinions on public‑sector issuers (including states/provinces, local governments, public agencies, not‑for‑profits, and infrastructure‑related municipal issuers). Analysts translate local economic and demographic trends, revenue stability, governance, and long‑term liabilities into transparent views that help communities finance essential services and long‑duration investments.

• 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 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; raise 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 concerning guardrails for automation: defining what can be automated versus must remain human‑led (especially material risk calls and committee conclusions).

US candidates: anticipated base salary range is $90,000 USD to $127,000 USD. Final base salary will be based on individual’s location, experience, skills, training, licenses, and certifications. In addition to base…