Senior Analyst - Structured Finance, Chicago, Colorado, New York or Toronto

S&P Global; New York (NY); On-site; USD 92,000 - 145,000; Full time

Job summary

S&P Global Ratings' Structured Finance and Alternative Investment Funds team evaluates credit risk in securitized products and fund structures, analyzing asset performance, structural protections, cash-flow mechanics, and stress scenarios. The role leads end-to-end credit analysis, synthesizes portfolio signals with peer context, and communicates insights to rating committees.

It also coaches junior staff and collaborates with Data and Engineering on AI-enabled workflows while upholding

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.
• Practical fluency in AI tools and sound judgment in their application.

Responsibilities

• Lead end-to-end credit analysis and surveillance for assigned structured finance credits.
• Synthesize portfolio performance, market signals, and peer context into decision-ready insights for rating committees.
• Embed and validate generative AI and large language model tools within analytical workflows with human accountability.
• Prepare and review analytical inputs, reconcile metrics, and document assumptions to ensure adherence to methodologies.
• Engage with external stakeholders and translate complex data into clear narratives for clients and rating committees.

Skills

Structured finance

Credit analysis

AI tools

Mentoring

Workflow optimization

Tools

AI tooling

Job description

About the Role:

Grade Level (for internal use): 11 The Team

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.

The Impact and Responsibilities:

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.

Compensation and Benefits Information (US Candidates)

S&P Global states that the anticipated base salary range for this position is $92,000 to $145,000 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, please click here.

Compensation and Benefits Information (Canadian Candidates)

S&P Global states that the anticipated range of compensation for this position is 94,000 to 130,000 CAD. 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!

What We're Looking For

Basic Required Qualifications

Direct experience analyzing securitized products, fund structures, or related structured finance instruments.

Team Contribution & Capability Building

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.

Core Analytical & Delivery

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 analytic