Rating Analyst – Structured Finance, Colorado or Toronto
S&P Global
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Job summary
S&P Global Ratings in Boulder, CO seeks a structured finance analyst to own delivery on securitized credits, maintain surveillance, and produce decision-ready materials. You will build analytical templates, apply AI tools, and collaborate with stakeholders to support rating discussions.
Ideal candidates have 2–3 years in structured finance, a bachelor’s in a related field, and a mindset focused on accuracy, governance, and continuous improvement. Office-based role with regular team interactions.
Qualifications
- Direct experience analyzing securitized products, fund structures, or related structured finance instruments.
- Collaborative working style with ability to manage priorities and communicate clearly in a team-oriented environment.
- Learning agility and 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 understanding of credit and risk concepts.
- Practical experience using generative AI or large language model tools to support analysis, research, or drafting.
- Strong spreadsheet skills and willingness to develop proficiency in data and automation tools; supervise/validate outputs.
- Experience supporting financial modeling preferred.
- Effective written and verbal communication skills for clear, structured presentations.
Responsibilities
- Own delivery for assigned credits with status updates and risk escalation.
- Synthesize developments for analytical discussions and rating materials.
- Create analytical materials using templates and automate where possible.
- Translate research into decision-ready narratives for clients and stakeholders.
- Apply confidentiality, governance, and documentation standards across analyses.
Skills
Education
Tools
Job description
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 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.
- 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.
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.
S&P Global Ratings is a division of S&P Global (NYSE: SPGI). S&P Global is the world’s foremost provider of credit ratings, benchmarks, analytics and workflow solutions in the global capital, commodity and automotive markets. With every one of our offerings, we help many of the world’s leading organizations navigate the economic landscape so they can plan for tomorrow, today.
For more information, visit www.spglobal.com/ratings
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Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals.
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.
- Health & Wellness: Health care coverage designed for the mind and body.
- Flexible Downtime: Generous time off helps keep you energized for your time on.
- Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills.
- Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs.
- Family Friendly Perks: It’s not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families.
- Beyond the Basics: From retail discounts to referral incentive awards—small perks can make a big difference.
For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries
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. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets.
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. Only electronic job submissions will be considered for employment.
If you need an accommodation during the application process due to a disability, please send an email to:EEO.Compliance@spglobal.comand your request will be forwarded to the appropriate person.
20 - Professional (EEO-2 Job Categories-United States of America), RATNGS202.1 - Middle Professional Tier I (EEO Job Group)
Boulder, Colorado, United States
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