Rating Analyst - Structured Finance

About the Role:

Grade Level (for internal use): 09. The Structured Finance and Alternate Investment Funds Credit Ratings team is part of the Global Ratings Services group, delivering high‑quality insights across industry sectors. The practice evaluates credit risk of securitized products and fund structures by analyzing underlying asset performance, structural protections, cash‑flow mechanics, and downside stress scenarios. In this role you will support new‑issue and surveillance end‑to‑end analysis of residential mortgage‑backed securities.

• Develop credit judgement through feedback/coaching and standard methodologies; reinforce standard ways of working to improve consistency and trust.
• Support AI‑enabled team productivity by sharing reusable prompts, templates, checklists, and automations that support judgment, reduce rework, and accelerate delivery.
• Support onboarding and capability building of junior colleagues through guidance on routines, quality standards, and effective use of approved tools.
• Contribute to workflow improvement initiatives.
• Support innovation by proactively challenging existing processes, leveraging new tools, and applying fresh perspectives to complex data and problem‑solving.

• Own delivery for assigned credits with clear status updates, strong prioritization, and early escalation of risks/dependencies to ensure decision‑ready outputs.
• Maintain ongoing surveillance for assigned credits, synthesizing developments into insights that support analytical discussions and committee materials with clear evidence.
• Build and maintain analytical packs using standard templates; apply automation to reduce rework while retaining human ownership of conclusions.
• Use approved GenAI/LLM tools as an enabler for research, comparison, and drafting.
• Collect, reconcile, and validate data; identify anomalies and gaps early.
• Support maintenance and review of models under guidance; document assumptions and changes; standardize routines to reduce operational risk.

• Support rating committees by preparing well‑evidenced materials and responding to follow‑up questions with transparency on sources and assumptions.
• Translate data, analysis, and research into clear, decision‑ready narratives for clients and senior stakeholders.
• Clarify technical information, bring new ideas forward, and adapt messaging to the audience.

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

Base salary range: $62,000

USD to $89,000

USD, plus an annual incentive plan. Additional benefits include health care coverage, flexible time‑off, continuous learning resources, retirement planning, and more. Eligibility is based on geographic location, experience level, skill set, training, licenses, and certifications.

Compensation range: 62,000

CAD to 101,000

CAD, with final compensation determined by performance, location, experience, skill set, and certifications. Information on Ontario regulations is provided. Other benefits mirror the US program.

• Minimum 2years of relevant work experience, preferably within a structured finance ratings capacity or residential mortgage credit at a bank or independent mortgage company.
• Bachelor’s degree (or equivalent) required; a master’s degree or professional certification such as CFA highly valued.
• Strong research and data‑analysis skills; financial statement and data competence; experience with modeling preferred.
• Clear understanding of credit and risk concepts.
• Proficiency with spreadsheets and willingness to learn data/automation tools to supervise and validate automated outputs.
• Practical AI fluency: use GenAI/LLMs to augment analysis.
• Effective written and verbal communication; ability to present research in a clear, structured manner.
• High standards for accuracy, traceability, and documentation; responsible…